BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions 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:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Ref : Experian XXXX XXXX, XXXX, XXXX XXXX, and XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX Dear Consumer Financial Protection Bureau : Thank you for taking time to investigate my complaints against the following agencies who have refused 3 times to provide documentation verifying that these are may accounts as per the Fair Credit Reporting Act 609 and 623. The type of problem Im having with the Experian, XXXX, and XXXX XXXX is refusing to not only remove these items off my credit report, but more importantly disregard my request to show the proper documentation I requested to verify these accounts are mine. After three  disputes, Experian, XXXX, and XXXX XXXX have failed to once again provide documentation that this was my account. They failed to provide me a copy of any viable evidence, being my original signature showing the account was mine. All agencies continue to avoid the FCARA guideline. Neither the credit bureau of the comapnauiies have provide any original documentation such as a consumer contract with my signature as required under 609 ( a ) ( 7 ) and Section 611 ( s ) ( 1 ) ( A ). Furthermore, all bureaus and even the creditors have refuse to provide document. I asked each one of them since they didnt provide documentation to immediately Delete all information which can not be identified. 
Please see letters and certified mail which shows my attempts to have the credit bureaus to investigate and if not proven, remove immediately. 
In, conclusion, I have been maintaining careful records of my communication with Experian, XXXX XXXX, and XXXX for the purpose of filing a complaint should they be unwilling to comply with Federal Laws. They refuse to comply! Thank you in advance for investigating my claim and I look forward to a swift resolution. 
Sincerely, 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 2019-06-04
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I took out a loan to purchase a 2015 XXXX XXXX through XXXX, not knowing that the loan company would actually be Bridgecrest ( previously XXXX ). My first payment was due XX/XX/19. I made that payment in XXXX. Then I paid my XXXX payment on the XX/XX/19 due date. Between paying that and my XXXX due date I had issues with my bank account. Someone stole over {$3000.00} from my account. My account was temporarily frozen until the issue was resolved. Leaving me with no ability to pay XXXX. My wife, who is an authorized speaker on my account, called in to speak with Bridgecrest about any options available to us. We had none. They suggested we borrow money from our parents ( who are deceased ) or that we pay our rent late to cover the car payment. When my wife told them neither were viable solutions they told her to just put her bank information in so they can try to debit the account, even though it is frozen, and that even if it doesn't go through, it'll still so the attempts. So my wife did this. All she gained from it was tons of racked up NSF fees added to our loan. This goes on for XXXX and into XXXX. We finally were going to have a paycheck free to catch up on our loan on XX/XX/XXXX. My wife calls in and makes the arrangement. They tell her that the vehicle is up for reposession on XX/XX/XXXX. Well early in the morning on XX/XX/XXXX, our area had bad storms/tornados and the roof was torn partially off of our house. Forcing us to use the money we had to stay in a hotel. My wife calls bridgecrest last night to try again to enter into a modification or payment arrangement to get us through until we get the insurance check. She was upset and crying on the phone over the situation. Her and our daughter are in a hotel and I'm actually in the hospital for another few days. The representative LAUGHED at my wife as she told her that Bridgecrest wouldn't help, wouldn't do a plan, no modification. Basically pay or lose the car. I have heard horror stories about this company but did not realize they were this screwed up. When we log in to the website it tells us to call and ask about a modification! But then we call and get laughed at. This is completely unacceptable.

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 2022-10-13
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: Personal information incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still, those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-01-25
Company: Affirm Holdings, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I chose XXXX items on XXXX to purchase. A small Affirm icon appeared next to one of the items and I opened it see what it was. It was an offer that stated if I paid off the loan within a certain amount of time I would not be charged interest. I decided to apply. In the process there was a place to select how many months in which I would pay it off. I believed I was choosing 6 months without interest because of the offer I had just read. When I checked my account today XX/XX/XXXX I saw that I had immediately been charged interest. I called affirm. The first person I spoke to, XXXX, put me on hold and then hung up on me. The second person listened, gave me a list of some of the reasons I was denied " no interest '' and passed me to a XXXX. That person gave me the same information but could not give me a valid reason for being refused the " no interest ''. My credit score is over 700 and I have an excellent payment history. Other than that Affirm 's representative had no excuse for the deception. 

Affirm was deceptive in it's advertisement, did not state what reasons could negate their offer, and when they gave me the option to select a time limit to pay off the loan, it was not in accordance with the initial offer which I assumed would be XXXX mos no interest, I find this unacceptable and would never Align myself with such a high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: EQUIFAX, INC.
State: CO
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 and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3, 7 and 8 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company offered me an in-house modification when my house payments continued to rise. Their offer would raise my mortgage balance from {$140000.00} to {$220000.00}. I believed I was at the end of my options and this appeared to be the only way to save my home. The mortgage company was vague about what exactly the charges of doing my in-house modification were going to pay for. The amount they were adding to my mortgage, {$74000.00}, was written down on a document they sent me, but they were leaving out what {$40000.00} was specifically being charged for. After numerous failed attempts to get them to explain what that amount was for, one day I received a letter from them ( by accident I believe ) showing that {$40000.00} was to pay legal fees. To me this is an incredible and unconscionable amount to charge someone for a boiler-plate modification, and to be charged with interest over the life of the mortgage. I reached out to them many times and was basically told it was my job to pay my bills, their numbers add up, and they don't see anywhere in their records that this amount was for legal fees. I scanned and emailed their own document to them showing this to them several times, but they never responded to me about this. I am attaching these documents to my complaint for you to review. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3, 7 and 8 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-06-27
Company: Genesis FS Card Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX calls me XXXX times on a daily basis. As soon as I pick up, they call me by my husbands name, which is XXXX. In addition, they have tripled what the original credit card amount was thats owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have been going back and forth with Transunion about inquiries on my credit report that were not authorized. I was a victim of identity theft back in XX/XX/XXXX  Someone attempted to get a car in my name on XX/XX/XXXX as well as a XXXX card through XXXX XX/XX/XXXX and something through XXXX XXXX XX/XX/XXXX. The latest thing they applied for was XXXX XX/XX/XXXX. They are telling me I have to contact each individual creditor and have them write a letter stating they will remove them. I dont think I should be the one to do that if I was the VICTIM!! That is unfair to me!! 
Also I bought a carXX/XX/XXXX. I stepped into the dealership with a approval from XXXX XXXX auto financing. There was no need for the car dealership to run my credit!! They ran it anyway and I was hit with 10 inquiries ... why?? I didnt authorize them to run my credit. That was my whole reason for me finding my own financing!! 

Identity theft inquiries are as follows : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Both XXXX and XXXX have removed said items and Transunion should follow suit. I have now placed a fraud alert on my ssn.
As far as me buying my car and having my own financing to where the car dealership did NOT need to run my credit these are the inquiries from them doing so without my authorization : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This is so unfair to me!! I have called Transunion so many times and I keep getting told to  contact each individual company. Once again its not fair to me if I was the victim of identity theft!! And if XXXX and XXXX both deleted them why come Transunion wont?!!

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 2023-06-21
Company: EQUIFAX, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
For tax year XXXX, I made an excess contribution of {$320.00} to my Health Savings Account at XXXX XXXX, managed through XXXX, and deposited through my employer 's payroll system. 

This excess contribution of {$320.00} has accrued {$0.00} of interest. Per IRS guidelines, I have until XX/XX/XXXX to withdraw an amount of {$320.00}. 

I noticed this error in XX/XX/XXXX. On XX/XX/XXXX, I provided an " Excess Contribution Removal Form '' to XXXX XXXX via email. This was acknowledged and submitted for processing. See attachment email_XXXX.PNG. 

I received no response from XXXX XXXX. I contacted them at least 3 times afterwards, and they were unable to provide me a status. 

On XX/XX/XXXX, I re-submitted my " Excess Contribution Removal Form '' ( see attachment form.PNG ). I contacted XXXX XXXX on XX/XX/XXXX, and was told that my account balance is insufficient to withdraw {$320.00}. However, my online account ( see account.PNG ) shows an available balance of {$320.00} with no pending transactions or holds. The representative I spoke with confirmed that the form I submitted was correct and that my account has sufficient funds, but my excess contribution removal was refused processing regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Experian Information Solutions Inc.
State: CT
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 written to all 3 credit reporting companies in regards to removing the listing of a XXXX XXXX. I have contacted XXXX XXXX which does not have any record of my Name or SS # and advised me that I need to contact these companies again. Hard inquiries included XXXX XXXX, which is due to be removed XX/XX/2019, but they have not. As XXXX XXXX for a company called XXXX XXXX XXXX, which is closed and no longer in business, so how can this be verified. 
XXXX-has not replied and all 3 disputed were mailed on the sameday.

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 2022-10-06
Company: Experian Information Solutions 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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX  XXXX Collection/Chargeoff XXXX XXXX  XXXX XXXX XXXX XXXX Late 120 Days XXXX  XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX XXXXXXXX Collection/Chargeoff

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 2019-09-11
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: Information belongs to someone else

Complaint:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED A ACCOUNT LISTED THAT DOES NOT BELOG TO ME. I AM A VICTIM OF IDENTITY THEFT AND WOULD LIKE THIS ACCOUT REMOVE BLOCKED AND DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I had a hardship, and had fell behind on my mortgage payments. I was approved for the Maryland XXXX XXXX, and they have submitted funds to my mortgage company on XX/XX/2022, and the mortgage company has yet to say they received the funds or applied to the account. I have been working with a housing counselor as well, provided proof to the mortgage provider of the payment from Maryland XXXX. 
It has been over a month, and it should only take XXXX days to process, and I need to know if I need to make my mortgage payment for XXXX or not. 
I have called almost everyday, and they say they see I was approved and working on the funds and have not received them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation