BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX ) XXXX**** , ( Original Creditor : ) XXXX**** and ( Original Creditor : ) XXXX****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
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:
All 3 credit bureaus are reporting late payments on an old mortgage account. I was never late. I have submitted multiple disputes to all 3 credit bureaus. XXXX mortgage closed my account on XX/XX/XXXX. Equifax is reporting late payments on XX/XX/XXXX and XX/XX/XXXX. That is impossible. XXXX  and XXXX  are also reporting false late payments. When disputing with all 3 bureaus, the results come back as verified. When contacting XXXX they said the account was closed so they could not verify the late payments. These payments should be deleted off of all 3 credit reports because these late payments can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify  these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX 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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-08-18
Company: Experian Information Solutions 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:
This is my second request for an account on my report that does not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and  fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.  I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX XXXX XXXX ACCT # 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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, S

ection 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX ) XXXX** and XXXX   XXXX XXXX  ( Original Creditor : 10 XXXX 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 2023-01-06
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My XXXX XXXX XXXX XXXX  is supposed to be switching to MOHELA from XXXXXXXX XXXX XXXXXXXX. I never had an issue when it was them. I have been on the phone almost 3 hours this time and have many other calls to them to try to figure out what happened as my load went to XXXX. I have called XXXX many times as well and their answer is that MOHELA needs to request the loan. I submitted my form on XX/XX/22, it states it is processed, but they have never requested my loan from XXXX and can't tell me why. Today they said that they have the information but aren't sure why it isn't put through. I have five years of my ten required to get my loan forgiveness. As a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for 20 years, this is by far the worst customer service I have ever seen. I need someone to help me resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Midwest Recovery Systems
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was notified by phone on XX/XX/XXXX by Midwest Recovery Systems that I owed an outstanding debt of {$450.00} and to call XXXX. When I called I was informed that they were a debt collection agency that had acquired my debt on XX/XX/XXXX from a payday loan from XX/XX/XXXX from XXXX XXXX  and that they had just put the debt collections on my credit report. When viewing my credit report Midwest Recovery Systems list the date of the debt as unknown ( instead of XX/XX/XXXX ). This debt, which I disputed as I was unemployed XXXX and never received a payday loan during this time, would be coming off my credit report in 11 months even if I lose the dispute, but where they fraudulently submitted unknown for debt date it will remain for the next seven years. They also told me that I can not dispute the debit until I pushed and became angry. The statue of limitations to collect a debt in NJ is also 6 years and yet they submitted date as unknown when they clearly know what the date is as they reported it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: MD
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:
Received an alert from my XXXX monitoring service XXXX that Equifax was reporting hard inquiries on my Equifax report. I tried every means I could find with Equifax to resolve the problem. Equifax refused to display my report online ( ordered mail ) and all phone numbers and web links were inoperative. Viewing my Equifax report through my XXXX monitoring service shows a large number of " hard inquiries '' on Equifax entered on XXXX -- more than a dozen. Because these represent the possibility of accounts being opened in my name, I am trying to dispute the inquiries which I did not make. But Equifax is totally unreachable by telephone or Internet. I am VERY concerned and turning to CFPB for help. How can Equifax continue to put out my information, but be totally unavailable to account for their action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EVERBANK, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
{$110000.00} was borrowed from TIAA Bank in XX/XX/XXXX. Six regular payments were made on the loan for the months XXXX to XXXX as per the agreement with TIAA. 

I requested a payoff quote from TIAA on XX/XX/XXXX. The payoff amount in the letter of {$110000.00} was good thru XX/XX/XXXX. The pay off was broken into {$110000.00} unpaid principal, {$750.00} in interest thru XX/XX/XXXX, and a recording fee of {$55.00}. 

On XX/XX/XXXX, two checks totaling {$110000.00} were delivered by XXXX XXXX XXXX XXXX and received by TIAA bank. TIAA posted one check on the XXXX and chose to not post the other check until XX/XX/XXXX. Even if the payment was applied a day late, the additional interest per diem is noted as {$16.00}. 

TIAA did not close out my mortgage. Rather than pay off my loan, TIAA bank charged me {$1500.00} in XXXX interest, which is three times the normal interest amount. They deposited {$1700.00} into their escrow account, again three times the normal amount. The balance of the payoff amount, noted above, was applied to principle. I never was called by TIAA with questions. 

When I attempted to resolve this with XXXX ( emp # XXXX ) and XXXX XXXX from TIAA, the resolution was for me to pay an additional {$1300.00} plus a recording fee of {$55.00}. These amounts are on top of the amounts already paid. 

To my surprise, on XX/XX/XXXX, TIAA sent me an email stating they had paid an insurance premium in the amount of {$1000.00}. This email is what caused me to start looking into the issue. Further, the provider that was supposedly paid by TIAA called on XX/XX/XXXX, stating that the insurance was to be canceled for non-payment if not paid by XX/XX/XXXX. I had to pay the {$1000.00} out of my pocket rather than the escrow. It's unclear if TIAA sent the check or not. We are out yet another {$1000.00} because of TIAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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 2021-05-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There is an account showing on my credit profile from XXXX XXXX XXXX that violates my rights and has continuously caused me financial harm over the last 18 months. Attached with my complaint you will find a copy of the XX/XX/XXXX letter sent to XXXX XXXX XXXX requesting specific information regarding this account. 

I informed XXXX XXXX XXXX that under the laws of South Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS.

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL It has been past 30 days and GXXXX XXXX XXXX has failed to provide the requested information. On XX/XX/XXXX I directly disputed this account with Equifax, XXXX and XXXX. Attached is a copy of the letter sent to each of the credit bureaus asking them to reinvestigate this matter on my behalf and to send me a copy of all documentation received from XXXX XXXX XXXX  They have failed to provide me with the documentation. 

I am now asking the CFPB to intervene on my behalf and demand the credit bureaus deliver said documents or remove the erroneous information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I received an email alert from Bank of America stating that my checking account was no longer eligible for bill pay. I called not understanding why ( they had switched the bill pay to my HELOC ) - after being transferred twice, I was told that there was an AML freeze on my account and I would need to speak with them. She transferred me to them, but they were closed. 

I called first thing on XX/XX/XXXX and spoke with the AML department. After verifying me, he stated that the issue was with information for my wife, XXXX. I got her on the phone, and he verified her identity. He then stated that they had asked her to go into a banking center to verify this a month ago, and that's why they froze the account. 

I reminded him that we signed all the paperwork for a HELOC in XXXX of this year. She is also in a banking center on a regular basis to make cash withdrawals. He said the HELOC signing wasn't sufficient. They wanted to confirm 1 ) does XXXX have a dual citizenship, and 2 ) what is her occupation. 

I asked to file a compliant, but he did not take one down from what i can tell. I then asked to confirm that during this period of having the account frozen, did they return any debits ( checks, ACH ). He said he had no idea and would transfer me to customer service. 

I spoke with customer service, and after much back and forth, I was told that nothing was presented and rejected during the period of the account being frozen. 

The idea that they would freeze the checking account ( but not the HELOC! ) of a 15+ year client without a letter or phone call, over the suddenly urgent question of dual citizenship and employment, is beyond absurd. I specifically asked to file a complaint with Bank of America and was not given that opportunity. I know they will respond to CFPB complaints. Please forward this on to ensure it is reviewed by their AML officer and head of retail banking.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26
Company: EarnUp Inc.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to a " glitch '' in EarnUp 's system they did not make the payment on time to my mortgage company and caused me to have a late payment. I've never been late on a payment in the almost 6yrs that I've had my mortgage. I called and they " fixed '' the problem and said that they " hoped '' to have my payment made the same day. I also filed a complaint with the supervisor who told me that he couldn't connect me with a manager as he didn't know their number and that I would have to file a request for a manager to call me in 3-5 business days. It has been 9 business days and I still have not received a call. I called again and I was told that I would need to file another request and that they " should '' contact me in 72. I've called every day for the last 4 days to file a request. I was finally able today to speak to someone at their corporate headquarters who did give me the names of the managers, XXXX or XXXX but stated that it wasn't guaranteed that they would contact me. The contact policy regarding complaints seems to change every time I call in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Bridgecrest Acceptance Corporation
State: GA
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:
In accordance with the Fair Credit Reporting Act. The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions... 

Inaccurate Accounts : XXXX XXXX ( Delete account, Not my account, Fraudulent account ) Bridecrest- ( Account paid and closed, Never had late payments, Reporting out dated information, Company charged me a down payment for a credit transaction, Delete late payment history and update account ) XXXX XXXX XXXX XXXX- ( Never had late payments, Delete late payment history and update account ) XXXX XXXX XXXX XXXX ( Never had late payments, Delete late payment history and update account ) XXXX Not mine, Fraudulent inquiry, No authorization to pull my credit profile, Delete inquiry and update profile. 

XXXX Not mine, Fraudulent inquiry, No authorization to pull my credit profile ... Delete inquiry and update profile. 

I've disputed these accounts all of 2022 starting in XXXX and they are still being reported inaccurately on my credit profile. These companies are not doing any proper investigations. How does this continue to happen and be allowed?

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 2021-01-24
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
The Wells Fargo XXXX credit card was settled back in 2018 and is still showing on my credit report even though it has been over 2 years. Wells Fargo is also still reporting to the credit bureau even though the account is closed, I would like this account closed and removed from 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 explanation