BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX # 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.

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 2018-09-24
Company: MIDCOUNTRY FINANCIAL CORP
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This is an ECOA complaint for unfair lending practices. XXXX XXXX XXXX Made two loans to me between XX/XX/2017 and XX/XX/2018. The first one was for XXXX and the second one for XXXX. I payed them off within 3 months time and with no late payments and when I applied for the 3rd one I was denied and given this message that I had to credit to receive the loan. I was rejected for no reason and as if I were never a customer with them to begin with. I have all of my payoff emails and documents from the bank as well as bank statements to prove the dates the loans were deposited to my accounts. 

" '' '' Unfortunately we were unable to approve your loan request due to delinquent past or present credit and/or limited credit experience. We consider all possible loan options during the evaluation process, if a counter offer could have been made at this time, we would have done so automatically. Should you have any further questions, please feel free to call us at XXXX or XXXX. XXXX XXXX XXXX XXXX A Division of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone XXXX Fax XXXX '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage services was transferred from XXXX to Mr Cooper, according to RESPA section 6 Mr Cooper must send Welcome Letter within 15 days eq loan number phones and address unfortunately didnt happened make the situation worst they supposedly to transfer my autopay info that I was paying for 8 years without late fee I called them today XX/XX/2019 they had nothing setup and I had to call 10 times and after getting trough I had to wait 24 minutes to talk a person that didnt know nothing about guidelines nor servicing the loan, In 4 days my payment is due and she trying to charge me late fee I being using autopay on XXXX of each day and there is 15 days grace period to pay my mortgage, It seems Mr Cooper involved in fraudulent activities by trying charge late fee and other fee and maybe causing to miss payments and charge others fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
I have been a client of Honda financial since XX/XX/XXXX. During the month of XX/XX/XXXX, I was hospitalized and had to get emergency XXXX. When I got out of the hospital, I had to go to XXXX XXXX. Honda financial attempted to call me on an old phone number because they hadnt received my payment. On XX/XX/XXXX I contacted Honda financial and made the necessary payments to bring my account up to date. I informed them that the late payment was due to hospitalization. I explained to them that I have been a client of Honda financial since  XX/XX/XXXX and I have never made a late payment. I kindly asked if they could drop the 30 day lateness from my credit report, and if needed, I could provide documentation to support my claim. The representative told me that there was nothing they could do to drop the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: CT
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
in accordance with the fair credit reporting act XXXX  account # XXXX account # XXXX has violated my rights... 15 u.s.c 1681 section602 a.states i have the rights to privacy.. 15 u.s.c 1681 section604 a it also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 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 2020-12-02
Company: Experian Information Solutions Inc.
State: NY
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 notified Experian in XX/XX/2020 of a bankruptcy showing up 3 times on my Experian credit report. I advised them that I did not have a bankruptcy. They replied back that their 3rd party supplier of information ( XXXX XXXX ) provided the information and said it was verified and true, I contacted the court directly who conducted a search with my name, and social security number, they sent me a letter stating no such accounts of cases exist under my social or name. Contacted XXXX XXXX who then sent me a letter they were unable to find any information on me having bankruptcy 's. I then sent the letter from the court and XXXX XXXX to Experian and the other 2 credit bureaus, Both XXXX XXXX and XXXX removed all 3 wrongly listed items, Experian refuses to remove stating they have received verification from XXXX XXXX, I then obtained a police report showing the information was fraudulent and not mine, Experian still refuses to remove the inaccurate information even though i have provided a police report, Letter from Court and the letter from XXXX XXXX both showing I have no such court or bankruptcy case. Experian is causing irreparable harm to my credit reputation and are in violation of the fair credit reporting act as I have a preponderance of evidence showing these aren't my 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 explanation
Consumer complaint received 2020-11-22
Company: Bread Financial Holdings, Inc.
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
OnXX/XX/XXXX, I received notification that 4 inquiries were reinserted into my transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

These are all old inquiries that were already on my account, but had since been removed.

Transunion reinserted them, hurt my credit score and failed to notify me in writing of these changes.

I called transunion today to request they remove these inquiries, and they claimed that I was not affected by the transunion inquiries glitch and that there was nothing they could.

I saw a hit to my TU credit score from them reinserting these old inquiries, and would like them to be removed, as transunion is violating section 611 of the fair credit reporting act via their failure to notify me in writing of the reinsertion of these inquiries. Attached is a copy of my inquiries from my official credit report from XXXX showing that the aforementioned inquiries are not showing up anywhere but TU. also attached is the notification I received showing the reinsertion of the scores, and that they were reinserted this past XX/XX/XXXX. these inquiries were made back in XX/XX/XXXX, and should not be reinserted.

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 2020-05-20
Company: AES/PHEAA
State: NC
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:
Multiple instances over the years of being provided inaccurate and/or conflicting information which has been detrimental to my ability to pay off the student loan I have. I believe this company has purposely misled me with information to keep me paying at a rate that is unbearable and should be illegal. 
Most recently I was provided inaccurate information concerning relief due to COVID-19. I was led to believe that a move into " Forbearance '' would provide relief from the interest until XXXX. This happened in a recorded phone call in late XXXX, early XXXX. I can provide dates and details of conversations. 
On XX/XX/20, I was told the information that was provided to me concerning my loan was not as represented. 
These instances have happened for many years and now I am in need of assistance with a complaint as it appears this will not stop and I can't take it any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 I went into the branch of Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX I was seeking to remove NSF feature from my bank account. If I do not have money in my account, I do not want the bank to pay anything. First of all my voice is loud and many people can mistake this to anger or raising of my temperment. The customer service rep for some reason sent my request to the Branch manager. In trying to explain my request, the Manager accused me of being angry. I raised my finger to make a point, & she yelled at me to stop pointing my finger at her. Banks are customer service bussinesses & this Manager proved that she lacks the skills to interact with upset customers, she was so unhelpful, that I left without my request being met. She was very happy to hand me a card with her Boss 's name on 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 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was applying for income-sensitive payments that required my tax returns. For some reason, the loan system could not connect to the IRS electronic system and it takes months every time I have to recertify. XXXX  XXXX XXXX has listed it as late during these periods when it should have listed as in deferment. It shows these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as being late. It is incorrect. XXXX and XXXX  have fixed some of them but TransUnion has not fixed any of the errors.

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 2021-04-29
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: Account information incorrect

Complaint:
There's 2 accounts on my report showing a violation. The statute of limitations has expired. Listed below are the accounts XXXX/XXXX XXXX OPEN DATE XX/XX/2012 {$2400.00} XXXX/XXXX  XXXX OPEN DATE XX/XX/2012 {$2900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
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:
In XX/XX/XXXX I submitted an application or applied for an AUTO LOAN with my favourite Insurance co. USAA.com. 
I am a member of USAA since XXXX. 

When I applied for a Auto Loan with USAA, I submitted only 1 ( one )  application for AUTO LOAN. 
The date is XX/XX/XXXX. 

The loan which was offered to me had an APR something like 8.05 % or 8.09 %.

It was not affordable to me.

I choose another Auto Loan for 2,4 % APR and it was already paid off. 

I do not recognise second hard inquiry on my credit report, by XXXX. 

Second hard inquiry was made on XX/XX/XXXX. 

I already made one hard inquiry for Auto Loan, I received an answer that I can get a loan with interest rate over 8 %. I could not accept 8 % it is just too high for me. 

I did not made second hard inquiry for the same auto loan. 

I noticed that problem already in XX/XX/XXXX. 

but I was So OVERWHELMED with my new car XXXX and it is a space shuttle and not a car, and so I did not have forces to fight to remove second unjust hard inquiry. 

I also had a major XXXX in XX/XX/XXXX in XXXX XXXX Hospital for 5 hours. I was in recovery mood when i realized that there are 2 hard inquiries instead of 1 hard inquiry for auto loan. 

Now, in XX/XX/XXXX, I am much stronger and I see that all these double-hard-inquiries damaging my credit report. 

It damages my credit score. 
Including for USAA Auto Insurance company. 

I request USAA to remove second unjust hard inquiry for auto loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Remitly, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I used Remitly to send a wire transfer to a family member 's bank account in XXXX. I paid for the express service that guaranteed that the money would be deposited in a couple hours. The money was expected to be delivered on XX/XX/2021 at XXXX. As of today, XX/XX/2021, the money is not delivered although it was withdrawn from my bank account the same day that the transfer was made. I called the customer service line several times at Remitly and the agents always said that they will solve the problem, but as of today nothing happened. The company has also a chat application on their website. The page says that an agent would be with you in less than 15 minutes, but when connected to the chat, there is a message that says 99+ people are on the waiting list, which is bizarre. After waiting more than an hour to connect to an agent, once I asked my question, he closed the chat on me, which is very frustrating. At this time, I want them to either deposit the money to the recipient 's bank account or return the money to my bank account. I hope I can find a higher institution that can help me find a solution with this dilemma.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: OneMain Finance Corporation
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:
Old account it been ten years on old account where they keep updated after 7 year it supposed to be remove I tried many time disputes these account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I purchased two televisions from someone on XXXX! I did not know the person so I used XXXX XXXX  to protect myself! I met with the man at a public place, I paid him {$390.00} for two televisions and when I returned home neither of them worked. I immediately contacted Navy Federal to file a dispute. Two days ago I was sent an e-mail saying the amount never posted so there was nothing they could do, which was not true because you can clearly see the charge on my account! Today I get an e-mail stating they can can not comple the dispute, I must contact the person for a refund!! If I was able to contact the person for a refund I would not have had to file a dispute!! I am not going to sit back in a PANDEMIC and let you all steal money from me!!! Where is the consumer protection???? What is the point of you having a dispute department if you can not give people UNAUTHORIZED funds back!!! GIVE ME MY MONEY BACK!!!!

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