BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: WELLS FARGO & COMPANY
State: PA
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:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with  Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XXXX of XXXX we had our XXXX XXXX XXXX repossessed however we were able to pay the past due amount and the repossession fee, everything totaling {$870.00}. However the loan company has been reporting that the car has been in repossession status ever since then. This has affected our ability to purchase a house and has had an adverse affect on our credit. The company in question is XXXX XXXX. 

I also just noticed that they have on our payment history with the company that the car has been repossessed three different times. This too is inaccurate, since the car has only been repossessed twice.

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 2023-06-14
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2018-12-24
Company: Experian Information Solutions Inc.
State: MS
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:
This is my second complaint with the CFPB about the collection agency, XXXX XXXX XXXX. XXXX is not reporting correct or accurate information. They are reporting inconsistencies to all of the credit reporting agencies and are verifying inaccurate information. They also marked my previous disputes as frivolous to discourage me from disputing despite being provided proof of their lack of a proper investigation into the reporting. Attached are screenshots of the account they are reporting to the credit bureaus. They are reporting different open dates and balances but are verifying them as valid. How can information that doesnt match prove to be valid? XXXX  is reporting a {$0.00} balance and open date of XX/XX/2017 and the same account is reporting a balance of {$1100.00} and an open date of XX/XX/2017. How is this accurate and valid if the information is not the same for the same account? This is a clear violation of the Fair Credit Reporting Act. This also shows a lack of proper investigation on the credit bureaus part as well. XXXX is creating a financial burden causing me to be denied credit due to their inaccurate, incomplete and inconsistent reporting to the credit bureaus.

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 2020-11-03
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I sent a letter to all three credit bureaus asking them to verify the accuracy of an account that is reporting on my credit report. I sent that letter on XX/XX/2020 and have not heard anything back. I am sending them another letter addressing the fact that they havent gotten this investigation completed in a timely manner which I believe is 30 days. 

What is reporting on my credit report is actually hindering my ability to be approved for a place to live and thus it is really crucial that this situation is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have informed carrington that my home owners insurance isn't going to renew my home owners insurance this year. But XXXX still went ahead and pay my former insurance company {$7400.00} which I told them not to do in the insurance department. They were already well aware of my home owners insurance not renewing & I have a new home owners insurance company. I have a letter from XXXX stating they are not renewing it this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: PNC Bank N.A.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in a forbearance period and with my VA loan I am to be allowed 18 months of forebearance as per CFCB PNC bank wants to end this the end of XXXX I need to have my full 18 months ( end XX/XX/XXXX ) to finish the work we are performing on our home to be able to sell it. They are refusing to grant me my last month of XXXX forbearance. I was never late on a payment until COVID hit snd I lost my job. We just need these additional 4 weeks in XXXX. 
Please grant me my full 18 months as VA states I qualify for.Our home has plenty of equity. We are in our late XXXX and need the extra monies that will come from the sale of our home for retirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
i have no knowledge of this account

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 2020-10-21
Company: NAVY FEDERAL CREDIT UNION
State: OH
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:
Navy Federal will not refund me money that was not authorized. I disputed a charge in XXXX on my account in the amount of {$670.00}. I have attached a statement containing the disputed charges and have highlighted it. I am a victim of theft and i did not make these charges/debits. I have requested that the aforementioned fraudulent charges be refunded back to me. I have spoke with the bank numerous times and I have also emailed and wrote letters to this bank. I have yet to receive my funds back. I was with this bank for over 20 years and never had any issues until now. I have attached a police report of case number XXXX when this occurred and gave them all other documentation confirming all the information of this charge.Social security number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Investigation took more than 30 days

Complaint:
Hello, My name is XXXX XXXX. I am a Consumer that resides at XXXX XXXX XXXX XXXX XXXX, FL XXXX, in XXXX County . I am writing this complaint because I submitted complaint : XXXX on XX/XX/XXXX/2023, however, Experian opened the complaint on XX/XX/XXXX2023. As ofXX/XX/2023, it has been well over 30 days. According to 15 U.S.C 1681i, Experian has to delete this information since Experian has not verified the accuracy of this information. This information should be deleted within ( 7 ) days of receipt of this NOTICE. THIS IS INTENT TO SUE if this information is not deleted. I, XXXX XXXX, will assess a fine of {$1000.00} per day upon receipt until deletion of this information pursuant to 15 U.S.C 1681n.

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 2023-02-20
Company: EQUIFAX, INC.
State: MS
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:
Someone has sent in fraudulent applications for credit using my name on loans and some credit card. This is very scary knowing things are being processed in my name with my knowledge. These are the following companies that ran my profile. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquires were not made by me XXXX! And I have not given any autorization for anyone to do so. As of today I will be contacting the three major credit companies to place a lock on my credit file. Someone has placed fraudulent activity on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: NJ
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:
Good afternoon, I have been submitting over 20 dispute letters in the past two years to experience. Not once were they able to comply with the regulations and remove the falsely reportedXX/XX/XXXXXXXX XXXX account on my credit. I have attached every response letter I was able to find where you can clearly see that not once were they removing this account. I have been extremely patient and follow the regulations of the 609 law that protects my rights. 
However Experian failed over two years to remove a single account. This is why I refuse To communicate with experience in order to resolve the issue and have been addressing CFDP in order to assist me with this matter. If you need any additional information please let me know. This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 30 days allowed. As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. Account # XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: MS
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:
XXXX XXXX XXXX online system was hacked in approximately XX/XX/2018. My login information was changed, then my mailing address was changed and a new card requested in a different state. Subsequent charges were made by a thief. As soon as I became aware I notified XXXX XXXX. For the last two years I have fought XXXX XXXX XXXX, and the collection agency they turned me over to ( XXXX XXXX ) to correct this fraud requested copies of transactions and signatures, and disputed the reporting to my credit report. Now I am being sued for these charges. 
The hacking of their online systems has resulted in 2 years of identity theft issues where this same individual continues to take out accounts that I have to dispute using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I got approved for a loan through Credit Acceptance on XX/XX/2020. The first year I spent at least XXXX on maintenance then got it repo in or around XX/XX/2020 because not only did I lose my job at the time. The money I was getting was all going into the car whether its wear and tear which is understandables but the car was having major issues that I was not aware about. I borrowed money from family to get the car out. 5 months or so later the engine literally died in Georgia on my way to texas. Paid to get it towed to XXXX and they said that I need a new engine. Credit acceptance eventually came and got it and nlw I am stuck with them calling me every single day about payments for a car that they allowed me to get that was hazardous on multiple levels.

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 2020-12-14
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: Account information incorrect

Complaint:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX File : XXXX Re : Account : XXXX  Account XXXX ( Under maiden name, XXXX XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX continues to report incorrect information on my credit reports. This was a car loan for a car that was a total loss in an accident and paid by my own insurance, and by GAP insurance provided by the lender. When the loan was paid off, I received an overage check that is attached. This should serve as proof that the account is paid in full, not charged off and should have no late payments since the payoff date of XX/XX/XXXX. 

Please remove this item from my credit report using the attached canceled check as proof of payoff. Thank you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
To Whom it may Concern ; This letter is in response to your phone call on XX/XX/XXXX I received 2 private calls at XXXX and at XXXX, XXXX XXXX left a message " stating that they have notification of delivery of legal documents delivered to me to my previous address and that they have not heard any response on my behalf, the reason for this is that i never received any legal paperwork or knew of this matter, today XX/XX/XXXX was the first time that i learned or was aware of this matter. he stated to return the call to XXXX at ( XXXX ) XXXX with file # XXXX to return the call before the end of the business day will be best or they would consider it as negligence, and this matter will be submitted against me without my statements included. 
Then at XXXX they called again but this time on my mother 's personal number and that's when i spoke with XXXX XXXX , he stated that i needed to call XXXX no later than today because someone was suing me and if i didnt they were going to submit the legal lawsuit to the XXXX XXXX county courts, so i panic, called XXXX and he told me that i owe a debt of {$5200.00} from XXXX and the last payment on this was given on XX/XX/XXXX, which by the way the ( STATUTE OF LIMITATION has Expired ) from a Weight Loss program, Breach of contract. so i told him i was not aware or recall of this because i have never inquire or have been in any weight loss program. so he continue to say that if i don't take responsibility of this debt, make arrangements or pay i would have to go to the XXXX XXXX legal courts and i would be responsible on paying court fees plus the debt and the balance would go higher ... he was threatening. If this type of debt has an expired STATUTE of LIMITATIONS, if they pursue with this matter in court i will be forced to show proof that the statute of limitation has expired. 
Let this letter serve as notification that i do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated any other communication regarding this debt will be taken as violation of the fair debt collection practices acts.

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 2023-02-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I disputed this account with all three credit reporting agencies. After reviewing my consumer report this account is still showing inconsistencies and inaccurate information. 

The amount {$7700.00}

Company response to consumer: Closed with explanation