BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
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: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Resurgent Capital Services L.P.
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 information incorrect

Complaint:
To whom this may concern LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX which is a Debt Collection Agency is reporting an inaccurate date of first delinquency from the original creditor on my XXXX, XXXX, and XXXX credit reports. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This is my 4th time submitting a dispute request via mail and via CFPB and nothing is being done here ... Please send me my disputes results via email immediately. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

XXXX XXXX- XXXX Not my account XXXX XXXX XXXXXXXX XXXX Not my account XXXX XXXX XXXX Not my account XXXX XXXX XXXX- XXXX Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today I contacted Receivables Management Systems and made a payment in full for two accounts totaling close to {$250.00}. I asked for a pay for deletion and was told to send a written request. I noticed that amount reporting is {$31.00}. I called back to see why the balance was reporting was only {$31.00} with the bureaus and was told that they were not sure and there was no pay for deletion. I am not working due to COVID-19 and used some of my stimulus money to pay the balance. I wanted to pay what was due but was misrepresented with the incorrect balance and information. Furthermore my Hippa rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: FL
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 the accounts below has violated my federally protected consumer rights the privacy and confidentiality under 15 USC 1681. 


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 2023-07-11
Company: Experian Information Solutions Inc.
State: NY
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 inquiries on my file that I did not do nor authorize. I filed an FTC report and sent it to the credit bureaus. Experian is claiming it can't be removed because of an auto loan taken out around the time of the inquiries. I explained to them that I specifically went to XXXX XXXX XXXX XXXX XXXX  only because I was pre-approved with them and there was no one else I applied to. They refuse to listen. They are assuming a dealer initiated the inquiries while looking for a loan but as I explained to them that was not the case because I didnt purchase a car from a dealer. The loan obtained was to buyout the lease of my current vehicle. There is also a XXXX XXXX credit card inquiry that I did not authorize and they refused to remove it.

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 2022-08-18
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
As millions of Americans we have been impacted by COVID and our mortgage with Flagstar Bank was put in Forbearance. On XX/XX/XXXX. XXXX we were offered loan modification, however in order to finalize we had to complete 3 trial payments on the following months XXXX, XXXX and XXXX and which weve successfully completed and on XX/XX/2022 we received a package to finalize the modification and bring the loan current. My wife and I signed, notarized and sent the package back quickly. In the meantime, we continued to make payments as instructed and I continued to call the bank at least once a month to make the payments ( since we cant do it online ) and inquiring about the online banking and asking about my loan. 
At no point I was told there was a problem nor received any lette. Beginning of XXXX and during a regular call to schedule my payment the rep shared with me that the loan modification was closed due to me breaking the trial payments?! And the same agent was able to confirm that the info she shared with me was inaccurate and opened up an expedited request to reopen the loan. After a week of waiting and stress I called again to get an update after 5 attempts due to calls dropping I was able to speak with a rep who gave me a whole new story for my loan being closed and it had to do with recording being rejected?!! 
Now, the account was sent to collection department, and weve been getting scary letters with threats to pay all the outstanding balance of over $ XXXX and were in danger of loosing our house! Till this day no one had explained how we got to this and why?! 
I have sent Qualified Written Request ( Notice off error ) on XX/XX/2022.

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 2023-07-11
Company: Experian Information Solutions 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:
My credit is taking a hit due to the negligence of this company and I need it off my credit report 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 explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiry from 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 2016-01-08
Company: SUNTRUST BANKS, INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have been in our home for 2.5 years and have done a lot of work on it. We have a conventional, fixed rate mortgage to which we initially put down 10 % at closing. We have contacted our mortgage provider in order to obtain a reappraisal because we believe the value of the home has increased and that our loan to value should give us at least 20 % equity in the home. The mortgager ( to whom our mortgage was sold by our original mortgage company ) stated that because we have not been in the home for at least 5 years that our loan to value must exceed 25 % equity. Is this consistent with Homeowners Protection Act?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: ME
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:
I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their repeated inaccurate reporting of late or past-due payments on my accounts. Despite my continuous efforts to rectify this issue, the creditor has failed to update my account information accordingly. 

I have experienced this problem numerous times with XXXX XXXX XXXX, and despite disputing the information twice, the account verification has come back unchanged. This situation is not only frustrating but also damaging to my credit history. 

To provide you with specific details, I made payments to XXXX XXXX XXXX on XX/XX/XXXX, with the respective amounts of {$110.00} on the account ending in XXXX XXXXXXXX and {$96.00} on the account ending in XXXX XXXX. I have confirmation of these payments from my checking account, which ends in XXXX XXXXXXXX. Therefore, I can confidently assert that I am not late or delinquent on my payments. 

Despite the evidence of my timely payments, I was recently marked for XXXX as delinquent again by XXXX XXXX XXXX. It is clear that there is a recurring issue in accurately reflecting my payment history, and the bank has been unresponsive to my requests for updating the account accordingly. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that XXXX XXXX XXXX  accurately reflects my payment history. I urge you to investigate this recurring problem and take appropriate actions to rectify the inaccurate reporting. 


Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and ensure fair and accurate reporting by XXXX XXXX XXXX. I look forward to a swift resolution of this dispute.

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 2022-08-18
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Apple XXXX Goldman Sachs has not provided good enough security and allowed XXXX to bill my card without my permission for {$24.00} ( {$360.00} annually ) with an expired card ( after i requested a new card my account was charged ) Apple has also done nothing to patch the XXXX  Terms & Conditions glitch & needs to explain why they attempted to fleece me out of {$460.00} for a simple isopropyl alcohol cleanup! I've invoiced them this amount for being abusive towards their customers & this complaint serves as investigation into Apple 's business practices. 

I currently have a $ XXXX Apple Card balance which I can not use with my mobile wallet, no reasons given whatsoever - It's my money, shouldn't I be able to use it on the App Store XXXX the mobile wallet & on any iDevice? 

This should be referred to the Office of the Comptroller & affiliated parties

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

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 2020-09-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was victimized by secret shopper scam. I recognize being naive in falling for this. However, the bank has discretion for funds availability on check deposits and they made the entire amount of the check immediately available. By doing this, they are not protecting the consumer from these scams, they become the enabler to the fraudsters. The bank needs to place a hold until the validity of the check is confirmed. This makes every small consumer account susceptible to this scam. 

The check was deposited on XX/XX/2020, the amount of the check was {$2800.00}. I reported it as fraud but Wells Fargo refused to make me whole.

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 2021-03-25
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Was not aware that Wyndham Capital Mortgage would sell my loan to a very shady company with a horrible rating -- XXXX XXXX. Now I have to stay with them or incur the cost of refinancing to have a new mortgage company. I think there should be more regulations in place and consumers should be made aware of such practices -- actually having to sign documents before such transactions between companies can take place. The company my loan was sold to, XXXX XXXX, has not paid my city taxes, which has caused a lien to be placed against my home and could potentially impact my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Accounts above listed has violated my rights. 
XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX  XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX 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.

Accounts above listed has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I am filing a complaint against all 3 credit bureaus ( XXXX, XXXX and XXXX ) They are reporting multiple collections that are not mine ranging from {$240.00} all the way too {$4000.00}. I have sent letters to both the collection agencies and to the credit bureaus explaining to them that Ive never signed a contract with them to do any kind of business. They are fraudulently reporting inaccurate information. I am demanding that these items are removed. XX/XX/2023 I sent certified letters off, asking the collection agencies to please document that the items are in dispute. I also sent certified letters to all 3 bureaus asking them the same thing. Nothing has occurred and they continue to report fraudulently every month. There are several laws being broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: MA
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 sent several disputes to remove account XXXX XXXX XXXX XXXX  off my credit file. This alleged account is hurting my reputation of having good standings. Also, violates my human rights and federal laws. They have neglected to fix my report many times Under 15 usc 1681a, exclusions. A report does not include transactions or payment history to credit file. 
15 usc 1681b. Permissible purpose. Unless written instructions of the consumer to whom it relates. I never gave no written nor any permission to furnish in my report. 
Also, under 15 usc 1681, you can not furnish information knowingly inaccurate. 
By law my report must be 100 % accurate at all times. Clearly, this is in violation and identity theft, nobody gave permission for my information or to report.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and needs to be corrected immediately. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report 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 2023-05-24
Company: Navient Solutions, LLC.
State: TX
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:
My XXXX and I are XXXX XXXX borrowers impacted by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The law was signed by President XXXX on XX/XX/2022. Per the law, we intend to separate our FFEL XXXX XXXX  Loan into XXXX XXXX Loans. We will then take advantage of the XXXX  waiver and expanded XXXX initiatives. Because we have been paying on our loans since the mid XXXX, our loans will be immediately forgiven under either the XXXX waiver, or the expanded XXXX  initiatives. We both have received confirmation that we have completed the steps required of us by XX/XX/2022 to qualify for the XXXX waiver. Recently, XXXX XXXX XXXX  and the Department of Education announced that implementing the XXXX will be delayed. In light of this delay it declared that upon request, loan servicer were required to place XXXX  XXXX XXXX Loans in Administrative XXXX until such time as the XXXX can be implemented. We have made XXXX requests to XXXX ( our XXXX XXXX to do just that. To date, they refuse to do so. Their willful failure to follow the directives of XXXX and the Department of Education require us to continue to make monthly payments and cause us to accrue unnecessary interest on a loan that will be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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