BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sold my home XX/XX/2018. It was a conventional sale. The payoff letter sent to the title company by the USDA stated the total payoff amount was {$100.00}, XXXX as of XX/XX/2018. There is no mention of a " short sale ''. The USDA reported this account as delinquent until XXXX, 2018. Additionally, it is listed as " settled for less than owed ''. This is not the case. All documents show the amount was paid in full, the title company even sent me the verification that the USDA received the cashier check for the full amount on XX/XX/2018. I am now unable to purchase a home. Experian fixed the date of the sale, but not the fact that it was not a short sale. I have now disputed this account with all documents present three times. When I spoke to the USDA and offered to send my documents directly from the title company, I was told they would not accept any documents from me, they report everything correctly, and they would not be changing anything. I will not be calling them again, as I was spoken to very rudely and was not listened to at all, just dismissed. This needs to be fixed. I paid my debt, and the house was in my dead husband 's name anyway but is on my credit report. I just want it fixed so I can purchase a home. At this point, the negative improper reporting is ruining my life. I can not purchase a car or home with this on my record incorrectly. The USDA did not tell the title company I didn't pay it in full, in fact, the estate received a check for {$9200.00} at close. Clearly, this was not a " short sale '' nor did I ever owe them a penny more. Oddly, the USDA didn't even send the title company a receipt for SEVEN MONTHS, but the certified mail proves they got it! Unacceptable. I hope others aren't experiencing this! This is not MY FAULT. I paid. I want this fixed as soon as possible please.

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 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sold my home XX/XX/2018. It was a conventional sale. The payoff letter sent to the title company by the USDA stated the total payoff amount was {$100.00}, XXXX as of XX/XX/2018. There is no mention of a " short sale ''. The USDA reported this account as delinquent until XX/XX/2018.  Additionally, it is listed as " settled for less than owed ''. This is not the case. All documents show the amount was paid in full, the title company even sent me the verification that the USDA received the cashier check for the full amount on XX/XX/2018. I am now unable to purchase a home. XX/XX/XXXX fixed the date of the sale, but not the fact that it was not a short sale. I have now disputed this account with all documents present three times. When I spoke to the USDA and offered to send my documents directly from the title company, I was told they would not accept any documents from me, they report everything correctly, and they would not be changing anything. I will not be calling them again, as I was spoken to very rudely and was not listened to at all, just dismissed. This needs to be fixed. I paid my debt, and the house was in my dead husband 's name anyway but is on my credit report. I just want it fixed so I can purchase a home. At this point, the negative improper reporting is ruining my life. I can not purchase a car or home with this on my record incorrectly. The USDA did not tell the title company I didn't pay it in full, in fact, the estate received a check for {$9200.00} at close. Clearly, this was not a " short sale '' nor did I ever owe them a penny more. Oddly, the USDA didn't even send the title company a receipt for SEVEN MONTHS, but the certified mail proves they got it! Unacceptable. I hope others aren't experiencing this! This is not MY FAULT. I paid. I want this fixed as soon as possible please.

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 2023-10-04
Company: EQUIFAX, INC.
State: MD
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: SC
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 USC 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/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 2021-07-09
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have a credit card and car loan with will forgo bank expara charges

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 2019-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My father passed away XX/XX/2019, my father had a money market account with capital one 360. She came into the bank in XX/XX/2019 with a fraudulent death certificate that she lied on she put down she was his wife. Showed them the death certificate and his drivers license that she took and the bank gave her a cashiers check with an undisclosed amount. When i asked them about why I spoke to XXXX, she stated that because she was a joint owner of my dads bank account they gave her the money. There was no POD or beneficiary noted on the money market account. I told them that it should of went to probate or next of kin not her. again they stated that because there was no one else and she was on his other account as a joint owner gave it to her. I am so upset because it was in his name only and she walks in with a death certificate that she lied about is not right. It should of went to probate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
AFTER SEVERAL ATTEMPTS TO RESOLVE THIS MATTER WITH BOTH THE BANK AND THE HOTEL WHERE I STAYED. I HAVE NO RESOLUTION. I WAS DOUBLE CHARGED MY STAY AMOUNT OF {$1100.00} ON MY CREDIT CARD STATEMENT. I HAVE ATTACHED DOCUMENTATION TO SHOW THE DUPLICATE CHARGE. AS WELL AS EMAIL THREADS SHOWING THAT THERE SHOULD ONLY BE ONE CHARGE OF {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX 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 An 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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I received a notification from my credit card company ( with which I have credit monitoring services ) that there was an inquiry on my credit report. The inquiry was fraudulent, so I ( 1 ) put a fraud alert on my credit report through Equifax and ( 2 ) filed a report with the FTC detailing the identity theft. Under the Fair Credit Reporting Act, Equifax had an affirmative duty to report the fraud alert to both XXXX and XXXX, so I did not place a fraud alert on my credit report with either of those other two credit reporting agencies. I also received an email confirmation from Equifax on XX/XX/2019 stating that a fraud alert was successfully added to my credit report. About three weeks later, on XX/XX/2019 and XX/XX/2019, I received additional notifications that, as of the date of this report, nine more fraudulent inquiries were made to my credit report through both XXXX  and XXXX. I received no notifications from either company like I thought I would with a fraud alert set up. On XX/XX/2019, I called XXXX  to inquire about the fraudulent inquiries. The XXXX   representative I spoke to said that there was no fraud alert on my credit report and that XXXX   had not received notification from Equifax that I added a fraud alert. I also called XXXX on XX/XX/2019, but was unable to reach a representative there XXXX although I left a voicemail for a representative and am awaiting a return call ). I then pulled copies of all three of my credit reports -- one from Equifax, one from XXXX, and one from XXXX on XX/XX/2019. The Equifax credit report and XXXX   credit report noted my fraud alert ; however, no fraud alert was noted on my XXXX credit report. The following day, on XX/XX/2019, I called Equifax. The Equifax representative I spoke to stated that I had an active fraud alert and that the fraud alert " should have '' been reported to both XXXX   and XXXX because supposedly Equifax 's system automatically sends the fraud alert to the other two companies when a fraud alert was entered. When I told her that a XXXX  representative told me there was no reported fraud alert, she could not explain what happened or how it would be possible for my fraud alert to not be communicated to XXXX. Although I understand that if the fraud alert had been accurately reported to XXXX in midXXXX 2019 it might not have prevented the identity theft going forward ; however, because five of the fraudulent inquiries were reported through XXXX, perhaps some of them would not have gone through if the fraud alert had been in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX XXXX - ( XXXX ) XXXX EXPERIAN BUSINESS CRED ( XXXX ) - ( XXXX ) XX/XX/2021

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
For security reasons my credit report should not include my full account number. These companies has violated my privacy rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-29
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: Information belongs to someone else

Complaint:
Transunion, XXXX, and 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 
These accounts don't belong to me.

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 2020-07-10
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a prepaid debit card from NETSPEND for {$400.00} a few days ago. I went online to fill out their information but was then directed to send more information ... they wanted my electric bill ... a copy of my SS card and a drivers license. I faxed that but they said my drivers license was too " dark ''. I then scanned the info but they said they could not open it. 
I resent the info in another fax ... but that was too 'dark '' ... .I then took a photo of my Drivers License and just received an email back saying it was too " blurry ''. I have asked for an address to mail a copy but that request was never answered. 
I have had numerous emails back and forth but have gotten nowhere in trying to resolve this matter. 
Any assistance in resolving this matter would be greatly appreciated

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 2022-11-22
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: MRS BPO, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice in the mail from MRS BPO , LLC, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX that I had a past due debt from XX/XX/2018 in the amount of {$27.00} for a XXXX account charge. I do not have a XXXX account and did not purchase anything through XXXX. 

I have a high credit rating. Per my XXXX account, there is no past due debt and there are no collection actions being taken. 

I read online of other complaints from people similar tomine about this collection agency stating that they had not made purchases and did not owe money. I called XXXX and they did not seem concerned that this company is using them to scam people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have been patiently trying to result my disputing matters with the company but I am getting the run arounds, computer-generated responses and they have failed to provide me with my following requests sent to them by certified mail on, XX/XX/2020, XX/XX/2020 and XX/XX/2020.

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