BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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 first contacted XXXX XXXX on XX/XX/22 and provided the following message : We are contacting you regarding the above mentioned loan and an error that occurred with our XXXX loan payment. The payment was returned in error by our bank, XXXX, and therefore caused our payment to be reported as 30 days late to the credit reporting agencies. We've obtained an official letter from our bank acknowledging this error. Please see the attached. We are requesting that based upon this acknowledgement, that you retract the notification to the credit reporting agencies that our payment was 30 days late. 

I received the following message back from XXXX XXXX on XX/XX/22 : Subject : XXXX : Regarding Loan XXXX Dear XXXX and XXXX XXXX : Thank you for contacting us about your account. At XXXX XXXX, it is our objective to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) when we furnish information about a consumer to a consumer reporting agency. Therefore, our commitment is to research all actual disputes submitted to us to ensure that we are reporting accurate information to the consumer reporting agencies. 



After receiving your dispute, we have reviewed your account information to verify the accuracy of the information on your credit file. As a result of our investigation, we submitted an update to the consumer reporting agencies to which we report to update your account as current with no delinquencies. Please allow up to 3 business days to view the updated information on your credit file. Please see attached response letter for your records. 



If you have any questions regarding this issue, please contact us at XXXX. 



Thank you, Credit Bureau Update XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Celebrating 33 Years in Business My credit report was updated after the letter was provided, however, the credit companies went back to reporting the late XXXX payment. I've submitted disputes, but First Investigators continues to inform the credit companies that the XXXX payment was late.

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 2019-06-05
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XX/XX/XXXX I made an withdrawal from my savings account in the amount of {$1000.00}. On XX/XX/XXXX I attempted to withdraw {$1000.00} available funds from my same account, on several attempts of attempting to withdraw the funds, they were not made available, unknown reasons, but not NSF. On that same day, I called NFCU customer and spoke with supervisor XXXX, which she did not identify a reason for the savings account error. After XXXX verified the funds, she manually lifted the savings account error. On XX/XX/XXXX I was made aware that my account was overdrawn. I do not understand how it is possible for my savings account to become overdrawn, NFCU has not cooperated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing purchased a mortgage we had on a home and is now the Loan Servicing Agent / Entity for our property at XXXX XXXX XXXX XXXX ( Loan # XXXX ). Our outstanding mortgage balance with Fay is currently about {$73000.00}.

We received a letter from Fay suggesting that we need to increase our Flood Insurance, and that if we did not do this, Fay would purchase flood insurance on our behalf - we needed to do this within  45 days ( the letter was dated XX/XX/XXXX, however we did not receive it until XX/XX/XXXX ). Again, our mortgage balance with Fay is ~ {$73000.00} and we currently carry flood insurance in the amount of {$130000.00} - well in excess of Fay 's liability. 

We wrote a letter to our account rep on XX/XX/XXXX requesting that Fay dismiss the request to increase our insurance because Fay is completely covered for any loss. Our account rep did not respond at all to that letter and still has not responded to us. 

We escalated this to XXXX XXXX, XXXX XXXX with Fay on XX/XX/XXXX. Ms XXXX advised she would get it to the insurance department right away. I called Ms XXXX again on XX/XX/XXXX and XX/XX/XXXX as we had not heard anything back. Both times our call went to voice mail and we left our name, contact info and repeated the request to call us back with a response to our insurance. Ms XXXX did not call us back. 

We wrote Ms XXXX again on XXXX - and received a very brief written response that our issue was " escalated '' was " in process ''. 

We heard nothing more for the balance of the week. We wrote Ms. XXXX again on XXXX and noted that it had been : XXXX 36 days since the date on the initial letter, * the initial letter specified a window of 45 days XXXX it had been 20 days since our first letter to Fay and that no response to our issue had been provided. We asked Ms XXXX to confirm that Fay would NOT purchase additional insurance on our behalf until this matter was resolved, and to provide us with expectations on when this issue would be resolved.

We received no response from Ms XXXX to our letter dated XXXX. 

It is now XX/XX/XXXX - 25 days since we first wrote to Fay regarding this issue, and we have no response to a very simple question.

We have since received a second letter from Fay reminding us that our time is almost up to purchase additional insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
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:
Equifax has my information mismatching with Someone else and so does XXXX  it says I have a XXXX  but I dont even have a car to my name, I tried applying for a car loan and was denied the credit bureau isnt helping me at all and I feel stuck please help me my number is XXXX and email is XXXX I can further discuss more on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
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:
Purchased a new XXXX XXXX XXXX fully loaded, valued at {$33000.00}. However, this vehicle was stolen from our XXXX property on XX/XX/XXXX of XXXX sometime after XXXX. The next morning at XXXX, we realized it was gone. The police were called immediately and an incident report was made. My car insurance and GAP insurance paid it off, which is why we did not make a payment. We are now on XX/XX/XXXX and this incident is still affecting my credit negatively. 

I would like my credit to be free from this negative incident, which already was taken care of by XXXX XXXX and GAP insurance. The credit bureaus should process this matter accordingly in order to remove this negative impact. 

The reason the payment were not made is for the fact that the car insurance and gap insurance was covering the total loss and paying the finance company in full. This should have never reflected as 30 days late payments in XXXX and in XXXX of 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 2023-06-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
State: OH
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 checked my credit report & saw that points were taken away from my score because I moved. I didn't move, I closed my postal box & had my mail sent to my home. I contacted experian & spoke/a person in the XXXX. He said his name was XXXX but he didn't understand me. I asked to speak to someone in the US. He said he was transferring me to the US, I asked for the number in case my call didn't go through. He said he didn't know the number he was transferring me ( I asked how could he transfer me to a number he didn't know. Basically he didn't explain that transferred me to hang up. Can u help 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 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
For months Since XXXX so now 4 months I have been disputing these errors on my credit report however the companies reposes are nothing short of XXXX. I am requesting according to the laws on credit reporting that they prove validate and verify these findings yet they do not PROVE IT yet they say and claim they have been verified. At this point it is well passed them not proving these items are mine its a matter of them breaking the law and I ask if you can please help me. 

You will see in the letter where I call them out for breaking the law. 

This letter is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$3600.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

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 2018-03-04
Company: Lending Club Corp
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: Account information incorrect

Complaint:
i see i have 3 hard inquiries for credit. 3 are from XXXX XXXX, another that just showed up whith XXXX just recently and 1 with a personal loan. i keep track of my credit as i'm trying to get it up where it belongs. something is seriously wrong when someone can get your info n apply for loans n it shows on your report. as of now i have fair to good credit. but i tried getting these fraudulent inquiries n have no way of removing them. also when you are told it will be a soft pull some companies do a hard pull trying to get you into a hi interest loan which i will not do. i can go to my own bank n get what i need for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-01-11
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been charged numerous times throughout 2021 with fraud charges that I have not authorized. I have had to have my debit cards closed and replaced 4 times in the year. Most recently XX/XX/XXXX for XXXX different charges equalling {$130.00} The provisional credit was reversed with explanation that the companies provided proof, however, I can not get through to these companies as I do not have accounts with them. This is a constant issue I have with keybank and have never had with my other banking institutions. My accounts never seem to be secure and not getting the protection from Key

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: Klima, Peters & Daly, P.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2019, the law office of Peroutka, Miller, Klima sent a legal order to XXXX XXXX and had {$750.00} taken out of my account without my authorization and XXXX XXXX let them do it. Today on XX/XX/2019, the law office took out another amount of {$130.00} leaving me in the negative on my back account. I called both the law office and XXXX XXXX and they could not give me an answer of why I was not notified on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please REMOVE to my credit report the FRAUD ALERT I did not authorize anyone to add it to my report, kindly remove it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: SC
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 been a victim of Identity Theft since 2012 and I have finally found out who the perpetrators are because they decided to impersonate me on social media and I had family and friends communicate with them to figure out who they truly were. They have opened numerous accounts in my name that were unauthorized and stole information about me from online sources ( I have since opted out of most ). The only issue is the Credit Bureaus are not blocking and deleting the information even though I have provided them all the necessary documentation, also per the FCRA they are supposed to block identity theft disputes from the credit report 4 after after the reports were received. They have not helped me out with this at all. I have a lawyer and I am doing everything he has advised me to do and the Credit Bureaus are still not complying.

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 2023-03-10
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected rights consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, account number 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer agency may make any consumer report containing any of the following items of information, any other adverse of the information, other than records of convictions of crimes which antedates the report by more than 7 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 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 2021-01-25
Company: BARCLAYS BANK DELAWARE
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:
On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA Opened XX/XX/2016 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2020-09-14
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company 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 2023-04-17
Company: EQUIFAX, INC.
State: FL
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 appreciate you making the effort to delete and correct some of the data on my credit report, but there are still some items that need to be removed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation