BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have repeatedly disputed XXXX California state tax liens on my credit report. They were filed because they did n't have my returns even though I did send them. The amount owed is inaccurate. The franchise tax board in California has refused to modify the amount although the have released the lien as satisfied and released. The letter which I will attach is dated XX/XX/XXXX, but liens were filed in XX/XX/XXXX and XX/XX/XXXX. The ketter clearly states that I have 30 days to pay before they will file a tax lien. I have contacted the state of California and they now say it us up to the credit reported agencies to delete the liens at being inaccurate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX personal XXXX  - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am writing on behalf of My common law husband XXXX XXXX -paquet and myself XXXX XXXX this is in regards to a credit card with XXXX  XXXX XXXX XXXX debt collector XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX for the amount of {$700.00} XXXX and I took this credit card put as a joint card we took XXXX insurance son this card due to my fight with XXXX Incase the worst senecio happened. 
I XXXX XXXX filed a chapter XXXX and received a dischargeonths later we receive letter regarding this debt and others not discharge XXXX XXXX was not Part of the chapter XXXX so now he owes this entire debt I XXXX have wrote numerous emails as well as on the websight of Attorney Raush Sturm XXXX XXXX XXXX  XXXX XXXX XXXX wi XXXX XXXX no response except weekly threats weekly letters even though I XXXX have called acknowledged and in receipt of all that mail and harassment there are laws to protect us from this type of harassment it shouldnt be a threat it needs to cease and desist immiediately. I XXXX have sent a letter stating this debt will be paid in small outs due to our financial hardship and due to both XXXX and XXXX both on card I XXXX will be following up as this company receives payment of any type I do not want threats of legal harassment as we are doing our best on XX/XX/2018 XXXX sent a small check letter included as the websight does not allow us to make a payment with out checking account and we will not feel comfortable with giving out banking I formation such as routing and account number I am coming to you to sto the letter notifications abuse threats and give us time to pay this and at time Of completed full payment removed off XXXX and XXXX credit report not with paid less than owed or charged off I would line this completely removed I would please appreciate the respect or the letters calls to stop and let us make this just and right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2022-10-28
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 requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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 2019-07-17
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: Account status incorrect

Complaint:
I was set up with XXXX XXXX on auto pay, Payment of {$100.00} was withdraw from my account. Apparently I got short {$29.00}, which I was not advised about at all. I didn't get any email, txt or phone call that I am short {$29.00}. 
I am enrolled in all communication services with XXXX XXXX. 
They have reported me for late payment to credit report which effected my score dramatically. 

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 2021-06-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
XX/XX/2022 I submitted a letter to opt out of arbitration letter along with my personal information. As a consumer I believe it is my right to opt out. By opting out, I have a right to pursue legal matters if Experian does not obey Federal law. 

On XX/XX/2022, Experian responded by declining my request to opt out of arbitration. This a violation of my personal rights. 


As a consumer, I have the right of privacy and sue for any damages that XXXX cause me from living a life of intergrity. I believe my rights was violated based on the decision on Experian made to refuse my request of opting out of arbitration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: EQUIFAX, INC.
State: AL
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 had previously submitted a complaint regarding their continued reporting unvalidated and fraudulent accounts as well as unauthorized and illegal inquiries. They said they would take it seriously in response to that complaint but are still doing the same thing and not correcting the problems as promised. Attached are letters showing items the companies said they removed but they still report and say verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: NJ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report and ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please find the ATTACHED documents to assist in the blocking and removing of the fraudulent inquiries which were being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, we mailed check # XXXX to our supplier, XXXX XXXX in the amount of {$29000.00}, written on our XXXX XXXX  account. On XX/XX/2022, Navy FCU notified us of a possible fraud matter. The check was " washed '' to read payable to " XXXX XXXX XXXX XXXX '' instead of XXXX XXXX Navy FCU processed the check, the funds were withdrawn from our XXXX XXXX  account, but were not disbursed to the fraudulent check holder XXXX XXXX XXXX XXXX. The funds are still being held at Navy FCU and have not yet been released back to our XXXX XXXX  account. We and our attorney have contacted both Navy FCU and our XXXX XXXX  on numerous occasions and still have not yet received the funds back from Navy FCU that they are still holding onto. Navy FCU has given us numerous excuses on why they have not released our funds back to our XXXX XXXX  account. Navy FCU is still holding our money and we need to have it release back to our XXXX XXXX  account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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: Account status incorrect

Complaint:
I was set up with XXXX XXXX on auto pay, Payment of {$100.00} was withdraw from my account. Apparently I got short {$29.00}, which I was not advised about at all. I didn't get any email, txt or phone call that I am short {$29.00}. 
I am enrolled in all communication services with XXXX XXXX. 
They have reported me for late payment to credit report which effected my score dramatically. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : XXXX. XXXX XXXX Account Number : XXXX XXXX Account Number 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 2020-04-21
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:
I requested this company remove addresses that I have not resided from my credit report. They have failed to do so and refuse to.

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 2016-07-06
Company: 3rd Generation, Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They have me on collection twice. Once for {$8000.00} + and the other is for {$5000.00} +, i have asked for this to be removed since they sold the vehicle at an auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had Wells Fargo for my auto loan from XXXX. I saw something about them settling a lawsuit for charging higher interest rates and seeing if this applies 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 2023-06-09
Company: FIRST HORIZON BANK
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/23 I opened a new money market savings account with FIRST HORIZON due to a promo rate special they are currently offering ( 5.38 % APY ). When I view my account online it shows the current interest rate as .6 %, not the higher promo rate. I called to question and she said that's just how the system shows it and she sent me an email stating the correct rate. So now I have an email, but their system is wrong. Can I trust them to calculate the interest correctly? 

Is that legit? They push you to do online and go paperless, but the system doesn't reflect correctly? Can I trust this bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I resolved an account with a lender and Transunion continues to report an inconsistent with reported balance/past due amounts payment rating history on my credit report. 

On XX/XX/2019, Transunion reports this account as closed by consumer with {$0.00} balance and {$0.00} past due. From XXXX 2019, they then report a 30, 60, 90 day late payment rating on an account that was, again, closed months prior with {$0.00} balance. There is no way I could have been late for payments during that time because with the balance being {$0.00} dollars at XX/XX/2019, the months proceeding should have had a {$0.00} dollar balance with XXXX $ payment due as you can not further charge to an account once it has been closed. In XX/XX/2019, Transunion reports once more a {$0.00} balance, {$0.00} dollar past due, okay payment rating, and account as closed by consumer. Then in XX/XX/2019, they report balance as {$0.00}, {$0.00} past due, but a 90 day late payment rating. There are not even 90 days between XXXX, the last time according to their records that I was 'okay ', and XXXX. 

This is clearly a technical glitch as it's quite obvious these ratings no sense with the numbers being reported. I filed a dispute with Transunion and nothing came of it. I can not wait another 30 days for a technical error to be adjusted on my credit report as this has tanked my score is preventing me from qualifying for a loan for my housing.

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: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX, I was in a bad XXXX accident that caused me to fall into financial trouble. In XXXX XXXX, I was able to make a payment to catch up my mortgages that would have left me in good-standing as of XXXX XXXX, XXXX. After paying the full payment amount they indicated after going through their automatic system and speaking with XXXX people ( $ XXXX {$160.00} ), they stated that they only received $ XXXX {$160.00} and it still does not bring my accounts to good-standing regardless of the statements and information given to me. Even after confirmation with my Bank stating that they received the full payments of $ XXXX {$160.00}, Freedom Mortgage has continued to state that they can not find the money or that it has been misapplied but are not resolving the issue. They continue to delay and are refusing to resolve the issue after a month of continual calls and interactions.

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 2023-08-15
Company: EQUIFAX, INC.
State: FL
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 am writing to formally file a complaint regarding multiple unauthorized inquiries that have appeared on my credit report. I suspect that these inquiries may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved parties, the matter remains unresolved. 

Upon reviewing my credit report, I discovered several inquiries that I have not initiated and have no knowledge of. These unauthorized inquiries include XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I am concerned that my personal information XXXX have been compromised, leading to unauthorized access to my credit history.

Company response to consumer: Closed with explanation