BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: IL
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:
Equifax Credit Bureau has listed Tax Liens both Federal and State as well as a discharge in Bankruptcy which is clearly inaccurate and fraudulent. They have indicated that the XXXX County Recorder of Deeds as well as US Bankruptcy court have provided them with negative public record as seen on my report. I have enclosed documentation which show the credit report as well as documentation from the court system that indicate there is no reporting by them to any credit bureau. The problem is that none of the information is accurate. Equifax receives its public information into a database and then sell it to the credit bureau. THIS is a violation of the Fair Credit Reporting Act to report false information. It is also considered false information on my credit report by claiming to get information from a Court or Recorder of Deeds when it is actually obtained from a 3rd party. Multiple letters were sent to Equifax who indicate that there information has been validated and refuse to remove these items from my credit report. 
Public record : Court Name : Federal Government Date filed XX/XX/2012 Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Experian Information Solutions Inc.
State: TX
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2018-12-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian Experian is not complying in Good Faith with the XX/XX/2018 Credit Freeze Law making the process so time consuming and manual, a consumer effectively " gives up ''. 

* Even though I have an Experian account, when attempting to place a freeze through my already verified account, Experian 's web application responds saying it can not freeze my credit. 

* Experian has removed all live support for their telephone numbers made public to consumers regarding credit freeze and instituted circular, non-freeze related topics for all available options. 

Thus Experian is not enabling credit freezes as per the Law and removed any support to report this issue through phone or web options.

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 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX ; XXXX and Transunion are reporting incorrectly a charge-off on the RELIABLE account number XXXX. ( Please see page attached from my credit report. ) I purchased the vehicle from a dealership and shortly thereafter the vehicle quit running. This vehicle fell under the rules required for the Lemon Law so I returned the vehicle within the time allotted and was told that there would be no negative reporting on my credit report, but that turned out to not be true. This incorrect reporting of a charge-off is harming my credit score and  this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.

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 2021-09-15
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been longer than 30 days, and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THIS IS A FOLLOW UP COMPLAINT! Southwest credit systems MUST remove this collection from my credit report because XXXX has spelled my name INCORRECTLY and anything that is reported on my credit report must be 100 % correct and mine. If you Look up my previous compliant attached is a screenshot from a old bill from XXXX and you can see that my name XXXX XXXX XXXX is spelled incorrectly. XXXX has it spelled as XXXX which is wrong. How is that PROPER verification if you do not have the right spelling. Thats a direct violation of the FCRA and must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
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 hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

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 2019-09-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case. 

I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity.. I am also inserting a legal notice of sale that states that XXXX XXXX XXXX XXXX XXXX XXXX as Trustee is involved in the debt collection activity despite their claims this is a XXXX  XXXX XXXX situation. 

I have attempted to resolve this matter and open to some type of settlement prior to further litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I utilized XXXX through Bank of America to send money to another B of A customer. This was a business transaction where I transferred {$500.00} for services. The individual received the money never completed services and can now not be reached. 
Bank of America tried reaching the scammer they could not and now refuse to do anything further. The scammer was also a Bank of America customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
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: Old information reappears or never goes away

Complaint:
In my three credit reports appear wrong information which could be fixed but the bureaus do n't report the correct information or remove the incorrect one. XXXX XXXX sent to me a letter fixing the wrong report on XX/XX/XXXX about a pay late they were reporting in my mortgage on XX/XX/XXXX by mistake and the bureaus have n't remove from my credit neither fix other wrong information about some debts I already paid and them do n't upgrade my report affecting me in my financial goals. If you need the information I have tell you I can send you when you ask me for. Please help me in this matter as soon as you can because I am trying to refinancing my home and this is stocking me. 
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 2019-09-25
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt ended up on my report so I called the company. They said that it was removed by the original creditor ( XXXX XXXX XXXX XXXX in XXXX XXXX, TX ). It shows paid on report but it should have never been there in the first place. I'm current and never even been late. I don't owe anything to the apartment or the collection company. I asked them to remove and give me written proof but they would not comply. I called the original creditor and they said they told the collection company to remove it and that's all they can do. 
National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Toll free : XXXX Account # XXXX Balance : {$150.00} Creditor : XXXX XXXX XXXX XXXX - XXXX Office XXXX XXXX XXXX. XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called Wells Fargo about removing PMI. I was sent a letter with various options on removal. In this letter one of my options states : Option 2 lists I must provide proof my home has not decreased in value, have no late payments and have an appraisal done by XXXX. Once complete option 2 then states if my LTV ratio is 80 % or less, I may cancel PMI. 

On XX/XX/XXXXI received the appraisal as done at my expense by XXXX the necessary appraisal company Wells Fargo required. The appraisal letter showed my LTV ratio at 77 %. Thus not only following their letter of requirement to remove PMI of proving ration less then 80 % But this also proves and follows the same law as explained in The Homeowners Protection Act of XX/XX/XXXX. 

On XX/XX/XXXXI called Wells Fargo to have the PMI removed after completing the paperwork and information they requested. They stated a new letter was sent requiring me to pay {$4000.00} ( approx ) to remove it or hit a LTV of 75 % or less. Which conflicts with the original letter and also goes against the law of the Homeowner Protection Act of XX/XX/XXXX. They are not only practicing unfair and illegal PMI charges but are going against their own letter of information on how to remove PMI.

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 2018-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Personal information incorrect

Complaint:
I have a hard inquiry from XX/XX/2018 on my personal credit when I have a XXXX XXXX XXXX. I want to have this inquiry removed. From Bank of America

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 2019-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case. 

I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity.. I am also inserting a legal notice of sale that states that XXXX XXXX XXXX , XXXX XXXX as Trustee is involved in the debt collection activity despite their claims this is a Bank of America situation. 

I have attempted to resolve this matter and open to some type of settlement prior to further litigation.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX, I disputed the information reported by the TransUnion with the XXXX XXXX XXXX XXXX XXXX department and received a response on the aforementioned dates. I was notified via email that the creditor would contact TransUnion to remove the closed date of XX/XX/XXXX. This account is open and current. To date from the initial email from the creditor TransUnion has failed to remove the closed date. I feel like these disputes are being totally ignored while my credit score suffers the impact of inaccurate 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 non-monetary relief
Consumer complaint received 2022-08-11
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by Fake Representatives of XXXX XXXX ( the Scammer ), using XXXX XXXX XXXX XXXX XXXX XXXX all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX XXXX ( XXXX XXXX ) was transferred from my wallet utilizing Coinbase services

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened new checking account XX/XX/18 and did {$500.00} direct deposit on XX/XX/18. Promo I was supposed to receive was get {$200.00} for opening account and completing 1 direct deposit of {$500.00}. I have not received the bonus so far.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ref : Credit Freeze and related charges Equifax - Security Breech I was notified that my credit information was included in the Equifax Security Breech in XX/XX/XXXX of this year. It was '' recommended '' that I place a " Freeze '' on my credit line to ensure that my credit would not be impacted and to take their " Free '' one year credit monitoring program. This recommendation came from Equifax and I did take their recommendations. HOWEVER.. 

When I try to place a Freeze on my credit with the other two credit companies : IE : XXXX and XXXX - I 'm required to pay a " FEE '' to place a " credit freeze '' on my credit line with their companies. 

I feel that Equifax is responsible for these " additional charges '' due to the fact that the Breech of security was due to Equifax lack of the proper security on their computer system. Its their fault and NOT mine. Therefore ... and all charges related to placing a freeze on my credit line with the other two companies should be picked up by Equifax.. 

YES ... I understand Equifax have taken " some '' steps to help those who were caught unaware and involved.. BUT ... are " falling far short '' of their responsibilities and " covering/picking up '' the freeze charges from the other two credit companies. 

I have discussed this issue with Equifax and they simply state that is not their responsibility and they will not pay the " Freeze '' charges. 

I feel that the individuals who are caught up in the Equifax Security issue ... ( which is no way their creation but, now involved and at risk ) ... Should insist that Equifax pick up any additional charges that are involved with placing a Freeze on their credit line.. 

IF .... Their Ex-CEO ... can walk out of their company with XXXX XXXX - and take no responsibility.. is SIMPLY Wrong .... 

I want to see something done ... ... and for Equifax to step up to the plate and take full responsibility ... and cover those involved with the security breech. 

By not contacting each individual who " could be '' impacted by the breech ... and not automatically placing " Freezes '' on the credit lines for those involved ... and only doing so ... when a individual contacts them ... is simply wrong ... They are not " Protecting their Clients '' nor stepping up to take full responsibility ... 

Many people are still un-protected..from possible fraud.. 

What can be done???? Better Yet ... .. What will be done..???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE CLOSED ACCOUNTS THAT ARE REPORTING AS DEROGATORIES AND DELINQUENTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, BECAUSE OF THIS IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21
Company: Experian Information Solutions Inc.
State: NY
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 defaulted on a mortgage in XX/XX/XXXX ( the date of my last payment was in XX/XX/XXXX ). The property went into foreclosure in XX/XX/XXXX, my creditor ultimately sold the property in XX/XX/XXXX. It is now XX/XX/XXXX and the mortgage is still on my XXXX and experian Credit reports. The XXXX and experian report clearly shows that my last payment was in XX/XX/XXXX, but XXXX reported that I went from 120 days delq to current in XX/XX/XXXX and then back to 120 days delq in XX/XX/XXXX. As a consequence, this derogatory item is still on my credit report and I have been unable to secure a mortgage refinance for my primary residence because lenders wo n't make loans when a foreclosure is still on the credit report. this foreclosure should have dropped off my report 2 years ago. I have written XXXX and they have yet to respond. when I call XXXX I am ask to hold while I am transfered and then they hang up ( this happened twice ). I have filed two complaints with XXXX via phone and between the language barriers and lack of customer service, nothing has happened ( in fact my XXXX credit score, which I monitor, inexplicably dropped 30 pts ). The written responses from XXXX and experian claim that a change had been made, but the derogatory is still on my credit reports. Pls help!

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