BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: Experian Information Solutions Inc.
State: SC
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 setup on auto payment for my auto loan. I changed my bank account around months ago, there's been no issues with my payments going through. One of the recent auto payments, XXXX changed the bank account back to my old account, which is not open. They did not contact me until the loan was already reported late on my credit. 

This is the second time I've filed a compliant, the first time, they lied and blamed me. I've never missed a payment and I want that reflected on my credit report. This was the Bank 's error.

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 2020-05-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
( BANKRUPTCY ACCOUNT ) To Whom It May Concern : I received a copy of my credit report and the items listed below were included in my bankruptcy but are not identified as such on my credit report. Please see the attached copy of my court documents which lists the creditors included in my bankruptcy. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, Florida. XXXX SSN : 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 2019-08-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by 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 explanation
Consumer complaint received 2019-08-12
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have two student loans on my account with says im delinquent however the student loans were transferred which have ive been paying off and is in good standing. This is effecting me badly. Department if edu/naviet which was open XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Universal Recovery Corporation
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: Account status incorrect

Complaint:
Company has failed to properly show full proof of the account identity Also attempted on several occasions to return the material in question serial number XXXX This company is fraudulently billing me for services not rendered and refuse to remove 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 2019-08-12
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised and not only that I was a victim of the XXXX data breach inwhich has landed unknown and unauthorized accounts reporting on my credit file, therefore I'm asking that these accounts be removed. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX XXXX 3. MO XXXX XXXXt

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 2019-08-12
Company: EQUIFAX, INC.
State: MO
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:
My identity has been compromised and not only that I was a victim of the Equifax data breach inwhich has landed unknown and unauthorized accounts reporting on my credit file, therefore I'm asking that these accounts be removed. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX XXXX 3. MO XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-06
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. THE CREDIT BUREAUS HAS NOT SHOWN PHYSICAL VERIFICATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not late '' but it recently came back as verified..The 30 days late payment is not correct and yet you could not substantiate its representation..You have provided information while knowing or having reasonable cause to believe that the information credit bureaus have provided was inaccurate. This is why I am filing this complaint, step up CFPB and reverse the late payments on 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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
The XXXX XXXX XXXX/XXXX  XXXX Visa credit card company in continuously reporting incorrect information regarding the owner of this debit. Although the account was originally opened with Total Visa/ The XXXX XXXX XXXX , the account has been closed and sold to a Debit Collector. This credit card company was not able to assist me because they no longer own the account. I have reached out to XXXX Visa/XXXX with their contact information being reported to all three credit bureaus after my credit report was obtained. Once the reports were obtained I notice the same information was reappearing showing the same incorrect information. I have made many disputes with the credit bureau agencies in an attempt to resolve this issue with this credit card company. 


Since this is the case and no resolution had been done ( on my behalf ) with above statement and recent complaint. I requested with the two credit bureaus to add a personal statement the two account on my credit report. They under false pretense took my statements/ information of what I wanted added to my report, but did not add the statement to the report as promised.

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 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I XXXX XXXX do not owe XXXX XXXX XXXX. Reporting on my credit report as being closed in XX/XX/XXXX I did not use XXXX dollars I am disputing because I requested this account to be closed XX/XX/XXXX and they failed to do so. The account is with collections agency XXXX and this is the correspondence I sent to them. On XXXX XXXX. 

To whom it may concern : I XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX Reference XXXX XXXX # XXXX I am writing to dispute the account referenced above. I have disputed this account information prior to today which is XX/XX/XXXX inaccurate with you and you have returned correspondence to me and stated you were able to verify these debts. How is this possible? Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and have been unable to get them to verify the information that they are reporting to you, they have not even verified that these are indeed my debts. 

This debt is not mine and I was given no evidence of my obligation to pay these debts to this creditor. I would like proof and not a computer generated print out. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

I request that you send me a copy of my updated credit report showing the elimination of the items mentioned above. This copy must be provided free, according to 15 USC section 1681j. 

If I do not receive an updated copy of my credit report with the disputed items dropped, my attorney will pursue my legal rights under 15 USC section 1681o of the Fair Credit Reporting Act, Civil liability for willful noncompliance. You credit may be liable for : 1 ) Any actual damages I sustain by your failure to delete the items 2 ) Defamation 3 ) Violation of the Fair Credit Reporting Act 4 ) punitive damages as the court may allow 5 ) costs of the court action, plus attorneys fees Best regards, 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 2020-09-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to submit this complaint on the Mortgage lender USAA. I was preapproved for a home loan and this company end up denying the loan 2 weeks after my deadline to have final approval. The company was aware of every deadline I had but disregarded my several attempts to make them aware that we needed a decision by a certain date ( or I would lose XXXX of my earnest money ) and I spent over XXXX in inspection fees, appraisal feees, etc. The companies major problem came from giving me 2 loan officers to work with then gave 4 different loan processors to work with.Having all these different people caused an issue because we could never get any thing accomplished in timely manner and they would repeatably as me for duplicate information. Additionally, ever person they assigned to handle my loan would literally work once or twice a week then have an " out of office '' notification set up if you tried to contact them.They kept asking me for several documents that I would provide with in an hour of them asking for them, then they would take a 1 week or longer to update me on anything so in the end they caused me to loss my money, future home, and wasted the sellers time. There final decision was that the loan was denied because my DTI was 45 % and I needed 43 % to qualify which didn't make sense because we went over this when I was preapproved plus if that was going to be the case ... why take so long to tell me this information ( USAA knew my earnest money was on the line ) So to be exact there incompetence cause me to loss over  3k and not close on my house. As an XXXX American veteran I just believe this company is a disgrace and should not state the claim as being supportive of veterans.Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage servicing company has been charging PMI and it does not show on the statements or tax forms. The value of the house have increased 28 % ; yet they have refused to remove PMI premiums from

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 2019-08-12
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Valley National Banks XXXX, New Jersey branch violated my right to privacy on XX/XX/2919 when the balance in my overdraft account was announced in public with other people present! This was embarrassing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Nelnet, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 180 days late payment. 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions 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:
THESE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-01
Company: EQUIFAX, 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:
THESE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: EQUIFAX, INC.
State: NC
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 contracted Equifax several months again in regards to ab collection account showing in my credit report under the name Fair in and out for invitation homes original creditor. I advised Equifax that the account was a result of someone using my name and that the account needed to be deleted. I advised XXXX and XXXX if the same information and provided the sand both both have deleted the account however Equifax continues to report this account. Please see attached information and follow the other bureaus by deleting the collection item

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm unable to access my Equifax credit report online because the 4 identity verification questions that Equifax asks me are always incorrect. The correct answer for each of the 4 questions is " None of the above, '' but the website tells me that the answers are incorrect. The questions are about loans that I've never heard of. I've tried at least ten times over the past 6 months to access my file online but the random " identity verification '' questions are always ridiculous nonsense that has nothing to do with me or my credit file. I can only request my report in writing from Equifax with 2 forms of ID every time. I think either their " identity verification '' system is completely broken, or the data is mixed up with someone else 's information. I've contacted Equifax customer support numerous times but they say there's nothing they can do about it. I've tried using XXXX and equifax.com directly, but the same problem happens. I've written a letter to Equifax customer relations but did not get a response. I haven't had any problem whatsoever accessing my credit reports from XXXX, XXXX, or XXXX online -- just Equifax. I XXXX " equifax identity verification questions wrong '' and there seems to be thousands of other consumers with this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
These people constantly call my phone asking for someone else. I have told them on numerous occasions that I did not know the person and to stop calling my phone yet they have continued to harass me. The most recent phone call was today, XX/XX/2018. They keep telling me that they will remove my phone number but that is obviously a lie since I received another phone call today ( XX/XX/2018 ). They say just enough to get me off the phone after sensing and hearing the anger in my voice but do absolutely nothing to remedy the situation by removing my telephone number. Based on what I have experienced, it would appear to me that their collection practices are borderline illegal seeing as how they keep calling me after being told multiple times to stop. If they do not stop harassing me, I am seeking legal remedies.

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 2020-07-05
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
This complaint is against XXXX XXXX. 

On XX/XX/2020 I attempted to send XXXX {$300.00} to my brother in XXXX via XXXX XXXX XXXX XXXX XXXX. My XXXX account was restricted due to a transfer I made in XXXX, and which my bank had rejected, on account of a change in my mailing address. Not being able to utilize XXXX XXXX, I opened an account with XXXX and made the transfer. In the process, I noted that XXXX XXXX rate applied by XXXX for the {$300.00} transaction was significantly lower than the rate applied by XXXX. XXXX would have delivered J {$37000.00} which is equivalent to an exchange rate of {$120.00} Jamaican dollars to {$1.00} XXXX dollar ; at the same time, XXXX delivered J {$41000.00} which is equivalent to an exchange rate of J {$130.00} Jamaican dollars to {$1.00} XXXX dollar. That's a difference of J {$4100.00}. I have used XXXX for many years to send funds to XXXX each month. On average, I send at least {$300.00} per month. Based on the difference in rates, and an average of {$300.00} sent monthly, this could easily translate into J {$49000.00} per year or J {$140000.00} over XXXX years ; J {$490000.00} over 10 years! 

Today, XX/XX/2020, I sent XXXX {$300.00} via XXXX. XXXX delivered XXXX ; XXXX would have delivered J {$37000.00}, a difference of J {$3800.00}. It seems to me that XXXX is not giving consumers a reasonable exchange rate ; the rate I was given in these XXXX instances does not appear reasonable to me, given the XXXX comparison.

Company response to consumer: Closed with explanation