BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX  XXXX Bankruptcy Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I obtained a mortgage from Suntrust. The loan balance to home value in XX/XX/XXXX has reached 78 % as of XX/XX/XXXX ( XX/XX/XXXX payment ). My understanding is that the PMI would automatically be dropped. It was not as of my XX/XX/XXXX bill. I made a request to confirm PMI removal in XX/XX/XXXX.. Never got a response.I called Customer 'Service ' and was told that if I made any additional principal payments it would change the date PMI could be dropped THEN I was told that XXXX XXXX would still require an appraisal before they would allow PMI to be dropped. It seems to me that it is not 'automatic ' first if I must make a written request and then that XXXX XXXX would require an appraisal ... ... ... ... ... .exactly what is " automatic '' about that? I have no documentation as to who exactly is requiring the appraisal ( or anything else about how XXXX XXXX will receive the information and what exactly they do when they have it including time frame ) I only have the comment from the customer service rep. I do not know what the legal requirements are or where to find them. I do not want to go on paying almost {$60.00} per month if I do not have to and am really disgusted with the lack of clear and timely information in writing ... ... ... .what is really legally required?

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 2021-04-08
Company: EQUIFAX, INC.
State: OH
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:
I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXX,XX/XX/XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 unauthorized inquiries with lenders/ companies that I do not have open accounts with and they are reflecting on my credit report and it is negatively impacting my score.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 submitting this complaint to dispute the inquiries referenced below and demanded verifiable proof bearing my signature/ electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question or delete. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2021-11-03
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened a Citibank card in XXXX the beginning credit limit was XXXX. My balance was around XXXX and they decreased my credit limit, stating that there was an issue with my credit report. I have no derogatory credit. in fact, during this time, I paid off a XXXX balance on a Home Depot Card through Citibank. Today I get another notice of a decrease in my credit limit. My balance is now less than XXXX, and I haven't used the card, and all my payment are timely. I usually make a double payment. By Citibank just arbitrarily lowering my credit limit, they adversely affect my credit score and I think it's wrong to keep doing this to me. 
This is not how to treat people that do business in good faith. Ironically, I currently have a Home Depot card with a XXXX balance. Recently paid off. Citibank cares very little about their customers, by adversely affecting credit for no reason.

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 2022-08-15
Company: Cheadle Law Firm
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Attorney XXXX XXXX XXXX filed a lawsuit and obtained a judgment against me, and is requesting a garnishment on my pay for a debt that is past the statute of limitations. 

The loan date was XXXX, in the state of Tennessee statute of limitations is 6 years, I was served in XXXX XXXX which is exceeds the statute of limitations by almost 1 year ; with a court date that was past the statute. XXXX XXXX XXXX on the date of court and was unable to attend to argue my case, and now they have a judgment out for it. 

When I spoke with the representative with the attorney office and she stated the date of loan being XXXX I expressed this was all done after the statute of limitations and she stated oh well you can dispute it but the judge approved the judgment.

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 2020-12-12
Company: FORD MOTOR CREDIT CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I made request to setup auto pay on my auto lease in XX/XX/2020, and made the necessary steps to do so. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
In XX/XX/2020, I once again made request to setup auto pay on my auto lease. The auto payment was not deducted in XX/XX/2020. I was notified via email the payment was due, so I paid the account manually that month. 
The auto pay was not deducted in XXXX, but there was no notification. 
This happened again in XXXX. On XX/XX/XXXX, I received a notification on my XXXX  credit monitoring that I was 30 days over due for XXXX. I went online that day to the Ford online payment system, and submitted payment for XXXX, XXXX, and XXXX. 
I am requesting that this be removed from my account, and it be marked current. This has now had an effect on my personal credit lines account balances being lowered. 
I have no late payments on my report from any line of credit. I made effort in good faith the elect auto pay so the account would no be delinquent. I am also surprised that this would be reported in the hardship times of COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This company is charging lates fees and accessing them in the total balance due but not adding the amont applied to fees. They are continuelous adding to the late fess but never taking off payments. Instead, they are applying what they call " Extra amounts '' to the principal balance which is crazy. 

With each late payment the fee is 5 % of the total due which is anywhere from {$8.00} to {$12.00} that show on my account. When a payment is made, they are NOT covering the fees and instead adding to the balance and amount due, thus making you pay more in the end each month. 

I was behind one month on my payment but the late fees show {$240.00} which is not 5 %. 

They have basically never added any payment where they have listed late fees to the actual fee. I have attached a chat transcipt between one of their employees and myself where they could not tell me why the amounts paid are not covering whats listed on the bill in full. Also attached screenshots from the website that show late fees added and which months and where I have made payments where they were not covered which is why the late fee balance is so high. 

Magiclly i could not access my statements online but I have requested those from then as well. You can see from the chat transcript.

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 2019-11-26
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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2017-08-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am attaching the letter my wife and I sent to the credit bureaus back in XXXX. More four months have passed, and we have not heard anything back from 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 non-monetary relief
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
They were still charging me after I closed the account.

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 2022-08-15
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On or around XX/XX/2022 I applied for membership to Navy Federal Credit Union. On the very next day I received an email requesting verification with a link to submit the verifications. The link to submit did not work even days later and other computer systems later, so I called them and was informed of a new link. I submitted the verification documents as requested on the XXXX and I received an email of denial on XX/XX/XXXX and their explanation was that the denial was based on the information submitted. So I decided to be extremely thorough with my next application. Made sure everything was sufficient and triple checked for accuracy. I submitted my second application with them that same night. Figuring that a passport and insurance documents did not meet their standards I decided to submit my drivers license and registration. On XX/XX/2022 I received an email from their credit union stating that they had received my documents and once approved, I will be receiving my membership documents within 10 business days. I applied the first time and got a decision within the first week of applying so on XX/XX/2022 I contacted them to inquire about my application status and to verify if something else was needed to be submitted. I was informed by their representative that they had all the information they needed to complete my application process and that they will be emailing me within a couple days with next steps. By XX/XX/2022 I still had not received any communication from Navy Federal so I contacted them again to re-check my status and to make sure there was nothing more needed to make the process a success. I was informed again that they apologized, there was nothing more to send and I should be receiving an email with membership details within a day or two. On XX/XX/2022 today, I still have not received any information regarding my application so I contact Navy Federal again to find out my status. After being on hold for 20 minutes and leading me on for weeks they come back and tell me I was denied again. I asked to speak with someone to explain to me what could have possibly went wrong when I just was told in my prior conversation with them that everything regarding my application and applying was everything they needed to finalize my application process. Not only did they deny me but they refused to give me a reason or send me an email related to my application status. I am left under the impression that they have met their secret membership quota of my XXXX XXXXXXXX and that is the reason I was denied since their is no other explanation given. I reserve the right to know why I was denied especially since I made sure several times that the application was as accurate as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY COMPAN Last reported : XX/XX/XXXX {$2000.00} AND {$1000.00} AND ANY OTHER ACCOUNT IN YOUR OFFICE ASSOCIATED WITH MY SS # Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY COMPAN Last reported : XX/XX/XXXX {$2000.00} AND {$1000.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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: Their investigation did not fix an error on your report

Complaint:
{ ACCOUNT NAME : XXXXXXXX XXXX XXXX 
ACCOUNT NUM:XXXX ACCOUNT TYPE : CREDIT CARD ACCOUNT BALANCE : {$160.00} ACCOUNT OPENDEDXXXX Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a f ormal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Payment is showing 30 days late, however, the payment for XX/XX/2020 was included within the loan payoff submitted/wired by the XXXX XXXX XXXX on XX/XX/2020. I have included the settlement statement within the attachments. The overall account has been paid off as of XX/XX/2020 and needs to be reflected accordingly. 

Being that the closing took place on the evening of XX/XX/2020 ( Friday ), the title company was not able to wire the funds until the following business day which happened to be a Monday ( XX/XX/2020 ). This was completely out of my control. 

Furthermore, the decision to sale the property was due to financial impacts of COVID-19 which was also the reasoning behind including the XXXX payment within the overall payoff as I was unable to make the payment by the payment due date.

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 2021-04-07
Company: DISCOVER BANK
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have sent letters to Discover Student Loans in XXXX and XXXX of 2020 detailing the ruling from XXXX 's accrediting agency the XXXX that XXXX has engaged in a pattern of " fraudulent communications '' with myself and my brother XXXX XXXX. All loans are in dispute. An attorney at the law firm we hired has been XXXX, with the NV bar stating that prosecutions are imminent. Discover has not responded to any of this information, and instead stated today via email that the loan will be charged off, and I will be having my credit score affected along with them seeking out collections against me. XXXX is acting criminally against state and federal law and as a low income college student I am being exploited with the laws of America being violated. Discover Student Loans needs to be audited and investigated for assisting XXXX in these crimes against me.

Company response to consumer: Closed with explanation