BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
FTC REPORT WAS SENT VERIFIED TO TRANSUNION AND THE COMPANY HAS RESPONDED BY SAYING THE ITEMS REPORTED ARE VERIFIED AND UPDATED. THEY NEED TO LOOK AT FTC REPORT AND REMOVE INACCURATE INFORMATION. 



ACCOUNT - XXXX  XXXX # XXXX XXXX  - 15 USC 1681e ( b ) Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this item.

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 2021-07-07
Company: EQUIFAX, INC.
State: NJ
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 disputed a XXXX account with the credit bureaus for incorrect information on my credit report. I disputed inconsistencies over seven times and my credit report still does not match. On XX/XX/XXXX, I disputed the " dates of last activity '' because the dates do not match. On XX/XX/XXXX, again I disputed the " dates of last activity '' because they did not match. On XX/XX/XXXX, I disputed the " dates of last payment '' because they did not match. On XX/XX/XXXX, I sent a letter to XXXX to investigate the account, which they did not complete the investigation. On XX/XX/XXXX, I sent a violation letter to the credit bureaus for continuing to report on a closed account and failure to investigate. I would like this account immediately deleted for refusing to correct the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: American Credit Acceptance, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
American Credit acceptance is who our car loan is through. They have the following message listed on their website : When you call to let them know that you are having difficulty due to COVID-19 they tell you that you have to go through approval to get any type of assistance. The only assistance they are willing to assist with is not reporting any late payments to the credit bureaus. They told me that because my son and I are working some hours and bringing in some sort of income there is no reason why we cant pay the car payment. They have called my son repeatedly and threatened to repo the car because he is half a payment late. When I asked them about this, they told me that they are allowed to use this method to get a payment. The below information is completely false and they are not willing to assist their customers. We were told that the calls will continue until we are caught up and they will not stop. If you review their XXXX reviews and XXXX reviews there are multiple people who are reporting the same information. 

As a valued customers who may be affected by the COVID-19 virus, our immediate concern is for you and your family. Please take precautions to protect yourself and your loved ones. If you encounter financial difficulties as a result of this virus, we encourage you to go contact us at XXXX to discuss options available to help with your individual needs. 

The health and wellness of our associates is also of paramount importance. We ask for your patience should you experience longer than normal hold times. Our goal is to serve you as efficiently as possible. We encourage you to utilize our customer portal through our website at myloan.acacceptance.com to manage your account and to make payments online

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/XXXX i got sick and spend a few days out of work two weeks after i was told that i needed to have surgery i spend two months at home after the surgery and receiving a short term XXXX check which was less that the haft of my check a wasn't able to make my payment on time. XX/XX/XXXX i was able to go back to work and started pay off my bill and getting all up to date and when i check my report i saw how much this ad affected my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: LA
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 wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX {$390.00}

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 2023-05-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9400.00}, XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$11000.00}, XXXX XXXX Owed : {$6200.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$930.00}, XXXX XXXX Balance Owed : {$12000.00}, XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: SYNCHRONY FINANCIAL
State: CA
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:
Synchrony Bank has decided to close my PayPal account due to me not being able to make the regular payments due to income loss from the pandemic. I work in real estate in XXXX XXXX, commission only, and buyers simply are not qualified any longer for loans because of their own income situations as a result of the pandemic. If people aren't buying, I am not making any money. And this is all due to the pandemic of course - clear and obvious. I am wondering if there is not an exception to them being able to do this - that is, for certain circumstances, actions can be justified or not due, for instance, to acts of God, etc ... unforeseeable reasons. I just do not think it is fair and right for Synchrony Bank to close my accounts or anyone else 's in this historically awful time. It is negatively affecting my credit reports - I just received an alert from XXXX. This just can't be right. Add to this situation that my wife and I subsidize my mother in law 's expenses about 80 % per month - she only receives {$660.00} in XXXX   per month. Living in XXXX  is a lot more expensive than {$660.00} per month. My wife and I have only been receiving UI benefits all this time - those benefits pale in comparison to our monthly income when real estate is open and thriving.

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 2020-04-22
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For the last five years I've been trying to get Equifax to remove an extended fraud alert they placed on my file without my authorization. I've called them dozens of times spending countless hours on hold only to be told their systems are unavailable or to be disconnected by agents in foreign countries. I've sent six letters with the appropriate documentation requesting it to be removed and it just never gets done. The latest confirmation I was given on XX/XX/20 was XXXX and was told it would be removed within 4 hours. It's almost 5 days later and its still not removed. 

This problem and their failure to act has resulted in several hundred hours of lost time for me spent dealing with issues because companies can't verify my identity, inability to open accounts online, inability to manage my social security account online, being challenged about my identity every time I apply for credit, being denied credit as a result and more. 

It's ridiculous how a company can create this kind of havoc in your life without any penalty or accountability and as a consumer we have zero recourse. How did they get all the power and we end up with none. Powerless. It's frustrating and demoralizing. This after they compromised my personal data. They still haven't made changes to their business to rebuild trust with Americans. Same XXXX  service, failure to follow through, inaccurate information in credit reports that so many systems rely on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: WA
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:
My old student loans from XXXX and XXXX continue to show up on my credit report in error. I am in the process of having my remaining student loan forgiven through the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: My Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was referred to Mr. XXXX XXXX, mortgage broker, as a stipulation of a real estate contract I entered. He was referred to me through Mr. XXXX XXXX, the sellers realtor. During the time period that I dealt with Mr. XXXX, he would repeatedly ignore correspondence via phone or email. He promised that he could get a second appraisal passed since the first one was " allegedly '' below what the seller was willing to accept. Shortly thereafter, he ignored correspondence from me and my realtor. He gave several deadlines that he was unable to honor. The appraisal was ultimately not accepted by FHA. 
Mr. XXXX worked with Mr. XXXX XXXX, sellers realtor, to draw out the real estate contract until I was outside of the loan approval period. When it came to light that he would be unable to fulfill his guarantees, he once again did not respond to any correspondence. He would not notify me of any issues until deadlines were looming or had passed. I was then notified by the sellers realtor that they would be keeping my escrow money because I was in breach of contract due to passed deadlines. I was able to work with the seller directly to remedy the issue and sought out another mortgage broker opportunity. 
In my opinion, I do not believe this is the first time they have colluded to swindle buyers out of their money. I honestly believe that had I not had a lawyer contact them immediately, they would have taken my money and would have gone on to another victim. I write this in the hopes that although everything worked out in my favor, I can help someone else from being placed in a similar predicament. 

Below I have listed the contact information for the involved parties : XXXX XXXX Legacy Group Lending XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Fax : XXXX Email : XXXX XXXX XXXX Real Estate Broker License # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Phone : XXXX Email : XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Capital one has now changed the date of closing to 25 days. I called to see when my new date was for it to close out and it was on the XXXX of ever month and now it can post anywhere from the XXXX to the XXXX of each month. So they are getting more interest from me. I pay the payment as soon as it posts now on pYmnt day and I always pay extra on it. I have called to ask if they will lower the interest rate and they always say no way. I have had this card for over 20 years and I have never been lTe on it. I feel that someone needs to look into the practices of capital one and do something about this. Please check on these practices of capital one and I would like to know why they won't lower my interest rate since I XXXX  way aheD of time and pay extra on it every month. I pay at the least XXXX and somethings XXXX over the minimum point. Please help us XXXX people who are being XXXX  by capital one credit card company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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 gave Equifax the courtesy of filing my complaints concerning " old '' accounts directly to them but they will not clear a specific account from my file. I Never stated that the account in question was not mine. I Did state that it should be Reviewed and Removed. Furthermore, the Equifax dispute center does not give many options to specify exactly was a consumer is disputing. Per Equifax " Closed accounts stay on your credit report for up to 10 years since the date of last activity. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: GA
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 did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: OH
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 have never had an account with XXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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 information incorrect

Complaint:
On XX/XX/21 I filed a complaint through the Equifax dispute center against XXXX/XXXX  regarding a settled account. On XX/XX/21, XXXX/XXXX  verified with Equifax that the information reported is accurate stating the account balance is currently {$3800.00}. This is not correct as payment had been submitted to XXXX XXXX XXXX, working on behalf of XXXX XXXX  on XX/XX/21 to settle the account in full. Additionally, XXXX updated with XXXX  on XX/XX/21 that the account has been paid in settlement. 

XXXX refuses to report accurate information to the 3 credit bureaus and although documentation had been provided to Equifax showing the account had been settled, Equifax validated the inaccurate information reported and verified by XXXX XXXX. 

I have provided documentation of the conflicting dispute updates and the letter submitted by XXXX XXXX  acknowledging receipt of payment and settlement of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my checking account on XX/XX/2023, and since then I have not received my debit card. When I opened I gave a mailing address XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX, TX XXXX different from my home address XXXX XXXX XXXX XXXX XXXX, TX XXXX. It looks like the mailing address wasnt added to my profile and thats why im still waiting for my debit card. 
I requested 3 times to update the mailing address on file trough the online banking on XX/XX/XXXX, XX/XX/XXXX without any answer. 
Please proceed how was instructed trough secure message on the online banking. And also send a new debit card and pin. 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
On XX/XX/2021 a final payment for {$8600.00} was sent to the Santander Consumer USA, to date the account has not been reported as paid in full. I have repeatedly asked for the title to date no title. I have made several disputes on my credit report and the account to date remains open. This account was paid in full on XX/XX/2021 it is now XX/XX/2021 and there is no update on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Nelnet, 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: Investigation took more than 30 days

Complaint:
I sent letter to request investigation into account. It has been more that 60 days and I have not received any results back. I understand that the credit bureaus have been given an additional 15 days to reply which that time as exhausted as well.

Company response to consumer: Closed with explanation