BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX  account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of educationXXXX XXXX XXXX XXXX. XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-10-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I scheduled an auto pay with my mortgage servicer back on XX/XX/2021, and since then the payment was automatically withdrawn from my account. Without receiving any notice from the servicer, the company submits a 30 day late payment for my XXXX statement period. When I contacted the servicer, they admitted that it was a mistake and asked me to dispute with credit bureaus. After submitting the relevant information to the credit bureaus, they refused to remove the late payment with out providing any proof that I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: CA
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:
XXXX checked my credit when I told their agent that my credit is locked. Somehow a letter came back to me saying I have to much credit. My question is why did equifax open a locked credit report and then come back to me and said improper use of your report. This time instead of running around the issue I want to know what equifax is going to do about it. I don't want to get into litigation but what use is it to have a locked report that anyone can use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received a loan through XXXX and thus through Bridgecrest for financing of a XX/XX/2021 XXXX XXXX. I did not receive a statement in the mail for this and when i went online I was unable to find a statement. I contacted Bridgecrest customer support and was first told they do not provide statements and they do not mail as they are all online. I said this would most likely be a violation of 12 CFR 1026 and was directed to another agent who first told me that they did not do statements, then told me they emailed me one on XXXX XXXX. I pulled up the email and it was a reminder my first payment was coming up but there was no statement attached. I was put on hold and then the agent came back and said i would receive statements in the mail and that i would be emailed the current statement for my payment due and I was never emailed that statement.

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 2022-11-12
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights .

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account with my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate

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 2021-11-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have sent in several disputes, FTC 's letters. I have called many times to resolve these issues with the creditor and credit bureaus. I have been told that the supporting documents that I have sent in have been thrown out serval times. There have been re-investigations multiple times with no resolutions it has been well over 45 days I have also ask for verification of how they have validated these accounts and I have gotten no proof and no responses on how the credit reporting agencies have validated these fraudulent and inaccurate accounts at this point I have contacted my attorney XXXX XXXX as he will be representing me on my behalf due to the failure of the deletion and removal of these fraudulent and inaccurate accounts from my credit report as well as the credit reporting agencies absolutely disregarding the FCRA LAW AND CFPB LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I open up my Wells Fargo personal line of credit in XXXX or XXXX. Over the past XXXX years, there have been several times I have questioned, whether or not the fees the interest, or even a late fee was right, and just. Apparently with this type of loan, you have to make the payment on that day, even if you make the payment prior to that day, your subject to additional adjustments such as a miscellaneous bank adjustment? For example, in XX/XX/XXXX, I made several payments to pay down my line of credit, but I was still charged a miscellaneous bank adjustment for XXXX dollars. My payments are due on the XXXX of every month. I usually meet my payment date every month and sometimes I have to go back and withdraw funds again on the XXXX or XXXX but apparently if I do that Im charged additional. interest and then it makes my account overdrawn. So I make my payment on time and the very next day Wells Fargo will show that I have availability to withdraw money. I will withdraw the money and then Wells Fargo will tell me. I am over my amount and then Im paid interest. I never claim bankruptcy or foreclosure after I divorce my ex-husband, but I did go through credit counseling. In late XXXX I asked Wells Fargo if I could be late a month and would they forgive it. They said they would but they end up publishing I was late. In XX/XX/XXXX I called Wells Fargo to tell them I would be late on my line of credit. I was late on my line of credit, because I have two household to keep up with due to the inflation and helping my children. Wells Fargo was able to come up with a payment plan and I asked the gal at Wells Fargo if they would report this to the credit report agency and she said no. As long as I make the three payments, we agreed to on time they wouldnt, but thats not true. Wells Fargo did report it and its impacting my credit. I believe that the fees, Wells Fargo has been passing along to me or in just, incorrect and most of all excessive.

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 2020-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2020, I sent an letter to Bank of America Home Loans ( account # XXXX ). I advised Bank of America Home Loans that the company is reporting incorrect information to credit bureaus indicating the account is currently XXXX days past due. However, Bank of America Home Loans sold the loan to another company and should be reported XXXX days 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 2017-05-25
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Harvard collections service had send me a debt collection bill saying that i owed them i wrote them a dispute letter saying to send be a debt verification, the debt verification they send me was a statement from the original that looks like a bill the bill statement states the statement date as XX/XX/17 and due date as X/XX/17 how is that a statement that is due next month but they are no longer handling the debt i am convinced that they send me a fake validation due to the dates on the statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit reporting 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:
on XXXX XXXX Barclays bank Delaware gained unauthorized access to my consumer report negatively affecting my credit report. This a violation under 15 usc 1681n I never grant them access & not was not enough its reporting to my credit report and this affects my creditworthiness, and it can be a factor to be denied my own credit which I believe is super cruel and can negatively affect my 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 2023-07-08
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PLEASE REMOVE THAT COLLECTION ACCOUNT FROM MY REPORT, SOURCE RECEIVABLES MANAGEMENT IS NOT ALLOWED TO COLLECT ANY MONEY IN XXXX.

Source Receivables Management, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I did my best during covid to hang on. But due to my livelihood being taken away I could not continue. So XXXX months ago I was offered a forbearance. When I spoke to my bank they allowed me to continue until XXXX months ago they demanded all the money. I explained to them that I could not make payments. Yet they still refused and told me I must come up with the full amount. In violation of the CARES ACT they have now begun to try to take my home away. I deserve to be treated fairly and the solution is to put this amount at the end of the loan so I can continue to make my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the beginning of XX/XX/2020, I applied for a Navy Federal Credit Union refinance loan. I successfully was pre-approved for a loan. I locked the rate at 2.875 % contingent on supporting documentation. The option I had was a XXXX XXXX which allow me to be able to lock at a lower rate if the rates dropped. The loan officer stated there was a heavy backlog and my loan would not progressed until sometime in XXXX and or XXXX. I told Navy Federal I was willing to wait just as long as my interest was locked at 2.875 %. They ensured me that it would be and we could move forward with me providing necessary documentation. Within two weeks I supplied the Navy Federal my w2, pay-stubs, etc. On XX/XX/XXXX Navy Federal emails me and ask if I would like to proceed. I email them back XX/XX/XXXX and stated I was looking forward to proceed. Around XX/XX/XXXX I called Navy Federal to asked them next steps and they stated my application had been withdrawn and I had to reapply for a new rate which would be .75 higher than my old one. I felt this was misrepresentation. I ask to speak to a senior manager. I was able to speak to a senior manager and after investigation she stated the reason I had to reapply was because my credit report expired. I never ask Navy Federal to withdraw my application. Navy Federal never emailed and stated I needed to pull another credit report. 
Due to misrepresentation and lack of transparency I would like Navy Federal to honour my existing 2.875 % loan application rate, allow me to lock into a lower rate as well as waive any and all loan origination fees for the hassle of lodging a complaint and mistreatment of a 30 year XXXX XXXX Veteran 's son.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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:
Theres numerous FCRA and Consumer Financial Protection Act violations against me as a US citizen and Im addressing you to amend and correct the information on my credit file. If you refuse to provide proof of the method of your verification on the listed accounts below with a WET signature to acknowledge my physical presents and ownership to the account. 

Im demanding you remove it immediately within 30 days per the FCRA and if do not adhere to the State and Federal laws for my consumer protection Ill be inclined to file a lawsuit in IAW to FCRA per my { Attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, FL XXXX } Please remove the below inaccurate and erroneous accounts from my credit file : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Erroneous/Inaccurate Account : XXXXXXXX XXXX  - Date Opened : XX/XX/XXXX XXXX : XXXX Erroneous/Inaccurate Account : XXXX XXXX - Date Opened : XX/XX/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 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2018-04-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account/company name is XXXX XXXX which is being reported on my Equifax credit report with a {$430.00} balance. 

Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX I have contacted Equifax to question the accuracy of this account and verification as I've informed them the account is not my account. The account is being reported as a " charge-off '' account for the current payment status and the worst payment status. 

I've contacted Equifax both via phone and writing with the most recent written communication being sent on XX/XX/XXXX. I've contacted Equifax on numerous occasions regarding various incorrect information that was being reported on my credit report. I've spoken with a representative at Equifax on XX/XX/XXXX in which I've received the confirmation # XXXX. I also spoke with a Rep at Equifax on XX/XX/XXXX and I received the following confirmation numbers XXXX and XXXX. 

In addition, I have contacted the creditor in which I have not received any form of correspondence in return. In addition, Equifax, has not sent any correspondence to me via mail or in writing ( or by no method ) in response to my complaints. 

I have reached out to both the credit bureau as well as the creditor with no help from either. This account does not show on any other credit reports. This issue has been very stressful for me. I am only seeking help and assistance in solving this issue. I would greatly appreciate any assistance you are able to help me in getting this negative account that is not my account " removed '' from my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

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 2023-01-23
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Open XXXX XXXX XXXX Status updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has committed Securities Fraud and Identity Fraud. I have never consented to there mortgage. XXXX XXXX XXXX have taken my identity and take out Securities out in my name without my consent That is Securities FRAUD and Identity FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The address that is file on with the bankruptcy is not mine nor have I ever lived at that address. This is not my bankruptcy. I request that this item be removed from my credit report. It does not belong to me.

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 2023-07-08
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the fair credit reporting act convergent account, # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
-15 U.S.C 1681 section 602. A. states I have the right to privacy.

-15 U.S.C 1681 section 604 A Section 2. also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation