BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: OH
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:
Consumer Financial Protection Bureau, I, the American consumer am alarmed at recent news reporting that Equifax provided inaccurate credit scores for potentially millions of consumers to numerous financial institutions relating to my credit applications. The report quotes one Equifax executive, who said, Initial analysis indicates that only a small number of them may have received a different credit decision, and the CEO saying, The impact is going to be quite small, not something thats meaningful to Equifax. Equifaxs latest egregious abuse of consumers and its leaderships teams efforts to downplay the harm is yet another example of harm caused by what is quickly becoming a recidivist bad actor, and I urge you to use the full extent of your authority to hold Equifax and its leadership accountable. This incident comes five years after Equifax announced one of the largest data breaches in the history of our country, exposing the personal information of more than XXXX XXXX individuals, including myself. These numbers are false, these errors have affected everybody including me. 

Furthermore, you the CFPB took another enforcement action against Equifax in 2017 for violating several consumer financial protection laws for deceiving consumers about the value of the credit scores they sold, deceiving consumers into enrolling in subscription programs, and engaging in illegal advertising practices. They are still violating several CFPB laws. 
Based on Equifaxs initial actions in response to this matter, I am deeply concerned that I, the harmed consumer will be promptly identified, notified, or even made whole? Moreover, Equifaxs repeated violations of law that have also resulted in I, the consumer harm warrant a more robust enforcement action, instead of the typical regulatory fine that amounts to the cost of doing business. I demand that Equifax deletes these accounts from my consumer credit report and never furnishes this information again. I repeat. Equifax, you do not have my permission nor my consent to furnish any of these accounts on my consumer credit report. 
Therefore, I intend to utilize all tools available to me to ensure I, the harmed consumer are promptly made whole from our broken consumer credit reporting system going forward. 
Equifax providing any credit scores to financial institutions should cease until they can demonstrate to your satisfaction that they have the necessary systems and controls to ensure each credit score they provide on millions of us consumers is verified to be accurate before distributing them to financial institutions. I appreciate your attention on this matter, and I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Happy Money, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Hello I was looking for personal loan for some emergency debt relief and to lower my monthly interests on cards. I was pre-approved from Payoff and have submitted all the documents. They ended up rejecting my application because my XXXX XXXX expires in 14 months and loan was for 3 years. All of XXXX XXXX XXXX expires in less than 3 years and then they need to be renewed just few months before expiration. 
I will also have my visa renewed. 
If Payoff needs a permanent residency or citizenship, they should mention that in application. I was said during application that XXXX XXXX XXXX can apply for the loan. 
They are not willing to get any other documents and confirmation for stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX and XX/XX/2021, I filed a dispute with this credit bureau about incorrect reporting of address on my credit report : XXXX XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX -- XXXX XXXX XXXX, AL, XXXX. 
. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about errors as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
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: Their investigation did not fix an error on your report

Complaint:
I am filing a complaint with Experian because I sent the agency a request to VALIDATE accounts listed in my credit file and have the reporting companies UPDATE history on my report and statuses. Experian sent me back a report notatated that the account has been VERIFIED but not VALIDATED. I requested the name and contact number of who VALIDATED this debt and it was not provided. It has been 30 days and nothing has been furnished to me except an updated report and that they verified. The history on these accounts do not reflect my actual payment history and nothing has been provided showing they attempted to obtain information to correct this. My request was not fulfilled within the 30 day time frame and this company did not VALIDATE any of the debts that they continue to report negatively. 
XXXX XXXX XXXX/XXXX XXXX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 accounts total I furthermore know that these accounts were not verified or validated because Experian updated a closed paid in full never paid late XXXX XXXX account from 2014 as included in bankruptcy and this account was closed years prior to bankruptcy. I contacted XXXX XXXXXXXX and they affirm they never reported this as included in bankruptcy because there was no balance in this account and it was closed in good standing experian needs to update this account back to the correct standing. 

I also did not request that any remarks be added to my account and they have done so. 

The reporting in not fair and i feel if you are a credit reporting agency you should be reporting the most accurate information on the consumers because this affects my livelihood.

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 2021-09-20
Company: EQUIFAX, INC.
State: DC
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 submitted multiple complaints against XXXX, Equifax and XXXX. This complaint is in response to XXXX and other complaints I have submitted. I XXXX XXXX XXXX am submitting this complaint on my own behalf. I, XXXX XXXX XXXX am the original creditor in all consumer credit transactions that are listed in the debt base system of the aforementioned credit reporting agencies. I XXXX XXXX XXXX am the credit per the Truth In Lending Act found at 15 USC 1602. The information listed on these reports are ALL inaccurate and false and misleading as I, XXXX XXXX XXXX am the original creditor and each company listed is a debt collector per the Fair Debt Collection Practices Act. Per the Fair Credit Reporting Act I submitted written instructions as the consumer and natural person for items to be removed from my credit report. In addition I sent in a certified letter which all companies did not honor the demand of the consumer and are still in violation of my consumer rights. The first violation is the violation of 15USC 1681a ( 2 ) ( b ) as extensions of credit directly or indirectly should be excluded from the consumer report. To further as mentioned I sent in a certified letter pursuant to 15 USC 1681b ( 2 ) stating my rights that were violated by the credit reporting agencies. In addition each company refers to themselves as Credit Reporting bureaus which is false and misleading as the term bureau means the Consumer Financial Protection Bureau. Lastly there were several items deleted from my XXXX credit report that is direct admission of the company violating my consumer rights and for that I am asking the CFPB to enforce the law. For the violations listed the total invoice amount is {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am including the same message sent to XXXX XXXX via online secure message center that I was instructed to do per Customer Service Manager id # XXXX on XX/XX/XXXX and I just received some generic message not even related to my concern and was just brushed off by this company. The message I sent is as follows : I want the hard inquiries you put on my credit report removed immediately. I WAS NOT aware of the fact that any hard inquiries would be made on my credit bureaus due to an online request for limit increase as it never have been before, only soft inquiry. And nowhere on there does it state that a hard inquiry would be made. I spoke to a customer service manager, XXXX, yesterday id # XXXX who also verified that it does not state that a hard inquiry would be made and does not allow a place to click if the customer does NOT want to have a hard inquiry pulled just to get a limit increase as it would if a customer calls in and speaks to a rep over the phone. If I had any idea it would have been a hard inquiry, I would NEVER have made the request as it is not worth it to me. Please remove these hard inquiries from ALL my Bureaus and the limit increase has to be cancelled, please do. Customer Service Manager id # XXXX stated this would be done and could take up to 45 days to be removed by bureaus once XXXX submits the removal and that all I needed to do was to send the secure message requesting this online through the message center, so I fully expect this to be done. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Navy Federal Credit Union placed several restrictions in my account after filing for Bankruptcy for a medical reason. 
On 2017 someone used my card without my permission and Navy Federal denied the dispute claim and they deducted the money from my checking account. As I was presenting medical issues and  difficulties To pay the negative balance from the reason mentioned before, they closed my account. 
Then I stated making payments in that negative account until I had to file for Bankruptcy. 
Now after my bankruptcy was discharged All the time when I apply for something I get declined because I caused a lost to Navy Federal Credit Union per the credit Departament, once I try to call them they transferred me to Bankruptcy Depto trying to collect the money that was discharged on the bankruptcy. 
My bill pay service is also restricted in my account and they dont let me use bill pay because the balance that I have with the bank, balance that is discharged already in a Bankruptcy court.

They say until the discharged balance dont get pay I will keep restricted of using bill pay and also there is many issues with 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 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 went to Transunion for what I thought was my free yearly credit review and score. Instead, I have been billed for three straight months - XX/XX/XXXX thru XX/XX/XXXX. I never signed up for a pay service. In fact, I never received a monthly or quarterly report from Transunion informing me that they have been monitoring my credit. I happened to notice the charges on my monthly credit card report. I have called them twice. The first time I contacted their representative, one months credit was given, The 2nd phone call I made to Transunion was of no help. I was told by their representative that they only give one month refund and no more. So I am at this point stuck with two months of charges for a service I never wanted and for which they never provided me any evidence of the review. I would be grateful for any help you can provide. Thank you in advance.

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 2020-09-15
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: Account status incorrect

Complaint:
Equifax should not be reporting that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hi there, Citicards has increased the interest on my citi preferred credit card to 29.99 % without a notification to opt out or anything, When I have noticed, I have contacted citi several times to resolve this, however they largely ignored my requests bouncing me from one person to another endlessly, telling me different story each time I would call to request to lower the interest and have my account credited back for all the extra money they have charged me so far. Their excuses for the increase were, that I was late with one payment for one day, back in XXXX, 2017. Next time I called, they told me that my interest is so high because for the most time i pay only the minimum due on my account and not the entire balance, which were news to me, with this card I never heard that before. The citi, told me that they don't have to send the opt out notices and that the charges are valid, which i dispute, being tired to be bullied by this guys into paying such ridiculous interest rates. 

My credit standing is good and I am in good standing with the Citi bank too so far. Because, today when this issue was only resolved partially, and only because i have told them that I will be paying next monthly bill when they address this. They have lowered the interest to start next billing period to 17.99 %, but absolutely refused to honor or negotiate my request to credit my account for all the extra interest that was charged so far and the monthly payment adjusted as of today, so I could pay the bill with my old interest. 

I would really appreciate your help with this. 

Thank you, 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 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Information does not 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 explanation
Consumer complaint received 2023-07-31
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keep calling wont say what its about or anything or who debt is from

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXXXXXX 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 2020-08-20
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:
FRAUDULENT INQUIRIES

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 2019-05-20
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a small business owner, and one of my clients issued a bill pay check from Wells Fargo to pay an invoice. Upon receipt, the check was damaged ( See attached scan ), making all identifying information illegible except for the Wells Fargo contact information and the routing numbers on the bottom of the check both of which are legible. If I am unable to determine the amount of the check or the issuing individual, I can not contact the person and let them know that I have not been paid ( I am unable to deposit the check ). 

It is my understanding from Wells Fargo that they immediately remove the funds from the individual account and deposit it into a Wells Fargo account, so from the individuals records, it would appear that the monies have been withdrawn and the invoice satisfied. Wells Fargo has refused to issue a new check or to attempt to contact the individual who issued the funds. This was relayed to me by Wells Fargo staff at their corporate office as well as an individual who works at the XXXX branch in a meeting on XX/XX/XXXX. As of today, Wells Fargo has monies owed to me in their possession, and my client ( whoever that may be ) has no idea that they have an outstanding invoice.

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 2018-08-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been working with XXXX XXXX for the past 3 months trying to figure out why the loan I have with them has not been reporting on my credit as promised and included in the contract I signed with them it says so. This entire time I've had this loan since XXXX of last year it has not reported properly. Now -- this Wednesday is my last payment and every payment has been made on time and it's not on my credit! Before it was and the balance was high and not reporting payments made. This impacted me getting credit and that's why I asked them to fix it but they have NOT fixed it. I have reached out to the district manager -- -and even asked her if I could talk to corporate. NO one has called me back. I keep hearing it'll be on there in two weeks but still nothing.

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 2018-08-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been working with XXXX XXXX for the past 3 months trying to figure out why the loan I have with them has not been reporting on my credit as promised and included in the contract I signed with them it says so. This entire time I've had this loan since XXXX of last year it has not reported properly. Now -- this Wednesday is my last payment and every payment has been made on time and it's not on my credit! Before it was and the balance was high and not reporting payments made. This impacted me getting credit and that's why I asked them to fix it but they have NOT fixed it. I have reached out to the district manager -- -and even asked her if I could talk to corporate. NO one has called me back. I keep hearing it'll be on there in two weeks but still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
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:
I kindly ask you to investigate and remove these accounts from my credit report. I do not recognize these accounts I believe I was a victim of identity theft. I have no contracts or agreements with these accounts. I do not know how these items ended upon my credit report. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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