BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
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 status incorrect

Complaint:
My credit score was lowered by Experian 38 points stating XXXX XXXX XX/XX/21 and XX/XX/21. XXXX XXXX has advised me they did not report me to the credit bureau. Once again I feel targeted by Experian. Experian violated credit laws by not removing a delinquent account off my credit due to a failure of the creditor providing the documentation. Now they are hitting my credit score repeatedly.

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 2022-12-14
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:
1. I never lived at this address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
2. The following account is not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

3. The following account is not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  1. I never lived at this address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2018-07-30
Company: Gemini Direct LLC, dba Credit Innovation Group
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have 5 moths to Credit Innovation Group to fix my Credit. They has promised me that they can fix my in 1 month to 5 months. I went to check on my credit my credit its still the same with only disput. They have only put disputable on my credit thats it. I ask them for my money back but no respond back. Its Rip Off thats what they doing. XXXX Credit Profile Specialist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I feel discriminated against by NFCU because of my age. I have contacted NFCU making several inquiries regarding a credit card and they consistently require I speak with their security department with over 2 hours of hold time. I also believe I am being discriminated against because of my race.

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: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. 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 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 a 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 2022-08-07
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX, XXXX # xxxxx XXXX, XXXX XXXX # xxxxx 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 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 explanation
Consumer complaint received 2018-09-27
Company: Experian Information Solutions Inc.
State: AR
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:
Re : CFPB # XXXX Dated : XX/XX/2018 Report # XXXX Dated : XX/XX/18 You stated that you obtained my information from XXXX. Which I find it extremely difficult if not impossible. Because I have a security freeze on my XXXX account dated XX/XX/2018. But assuming you managed to get my credit report from XXXX which is a direct violation of the FCRA then, XXXX does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please provide me the method of verification as required under Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.

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 2023-07-13
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 XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights 15 usc 1681 sec 602 A states I have the right to privacy 15 usc 1681 section 604 section 2 also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
Company: Total Customer Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX will be obligations to Debt collector. I need to file, the Statutes Of Limitation for a debt has been place on me, to, Fair Debt Collection Act. the third- party companies that collect debt on behalf of other business. are infamous for some of their underhanded tactic. used to collect debts from consumers.and Fair Debt Collection Practices Act knowing my right with debt even keep me from paying debt for which you have no legal obligation FDCPA applies to third- party collection agencies not the original company they created the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Diversified Adjustment Service, 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:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: NV
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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$530.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ON XXXX XXXX I sent in a request to get some unknown Inquires off my credit report with Equifax . I have sent them the identity theft report showing the inquiries that I have no knowledge of they sent me a response on XX/XX/XXXX saying accurate when XXXX and XXXX removed the same Inquiries. here are the list of them XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX 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 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: U.S. BANCORP
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 status incorrect

Complaint:
The credit card company ( XXXX ) states they decreased my balance because XXXX, stated " The primary reason provide by XXXX   which impacted our decision were : Serious delinquency '' I immediately, checked my XXXX  report, and there is NO DELINQUENCIIES. 

I called XXXX Credit Card company XXXX and XXXX and they stated that XXXX  did report the above statement. But XXXX  states they did Not report that statement. 

I received a decrease because XXXX fraudulently stated the above.

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 2018-03-09
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I bought a home and my mortgage was sold to wellsfargo. 
For yeas they weren't paying the county taxes out of my escrow. When I informed them that the property taxes weren't being paid they paid them out of what we had saved in escrow and left us with a shortage. I do not believe we should have to pay the back percentage of late fees that have added up. Wells Fargo said they were not going to make us pay but there is nothing in writing stating that we didn't have to pay these late fees for years. 

Second, I pay a high risk mortgage loan insurance to them. It was supposed to come off when we had either met time requirement or paid into the mortgage by so much. When I called to have this removed, they said that my window to remove the high risk insurance had passed and we were stuck with it until BOTH the time and payment amounts were met. They wouldn't tell me how long this window was open. They also denied their interest in refinancing to take off the loan. ( Of course ) We're now looking into refinancing with our credit union and being done with Wellsfargo completely. 

Can you help 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 monetary relief
Consumer complaint received 2018-09-27
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In answering CFPB Complaint XXXX on XX/XX/2018, XXXX XXXX stated that " they had updated the disputed status of the account and suspended collection efforts in their office. '' On XX/XX/2018, XXXX XXXX broke their agreement and initiated collection efforts once again on a time barred debt. 

Not only does this company not comply with the laws of the FCRA and what they report to the Credit Reporting Agencies ( CRAs ) but they break their agreements with the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
my sister or daughter or someone in my family has my social in my birthday and they're taking my government check and my stimulus check I have tried to report it to direct Express but they won't do that they say they have no control over it and I get transferred from direct Express social security social security back XXXX XXXX I don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: VA
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:
hello i have inquries on my report i have no idea about and i call experian about the problem and they telling me its nothing i can do about and i say oh yes i can ... inquiry ... XXXX ... XXXX ... .XXXX ... XXXX XXXX ... .XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX  XXXX ... XXXX credit/XXXX ... XXXX   XXXX  ... XXXX XXXX ... XXXX XXXX  XXXX ... XXXX ... XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX/XXXX ... these are all the fraud inquiries i seen can somebody plz tell these people to remove these its aginst the law ...

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 2020-04-03
Company: EQUIFAX, INC.
State: NV
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 paid off my account which is now a XXXX balance. The last reporting on my credit report is showing that I owe more than {$1900.00} XXXX  and XXXX XXXX  Account ( XXXX XXXX ; Main account holder and fiance ) ; Account # XXXX. Please rectify this issue to show a XXXX  XXXX  and that I am in good standing with a XXXX  balance. XXXX stated that there was an error per phone call ( which is FCC regulated and confirmed via recording ), according to the Fair Credit Reporting Act. Please fix this issue immediately as I am buying a new home and this has negatively impacted my score to do so due to the debt to income ratios.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had found flights through Capital One XXXX  for a trip to XXXX  with my partner ( XXXX XXXX ) who is also a Capital One member. When we had decided to purchase these tickets on XX/XX/XXXX a notification came up on my screen stating an additional {$81.00} per ticket had been added. This happened seconds after my partner booked her flights for the correct price with no additional fee and as I was inputting my payment info, Capital One XXXX XXXX  credit card ending in XXXX. I immediately called Capital One XXXX  with hopes to have the price matched to the original price that I attempted to book. After the service representative failed to grant my request, I stated that I would not be purchasing my flights with Capital One XXXX but through the airlines directly, which I did so shortly after. Once, I ended the call with the Capital One sales representative, I closed the tab on the booking page, never having clicked book or purchase tickets, and went about my day to search and purchase tickets through XXXX ( Confirmation Number ( s ) XXXX, XXXX ) and XXXX XXXX ( Confirmation Number XXXX ). 

A few days later Im paying my credit cards, which I do every 2-3 weeks and notice a charge from Capital One XXXX  . I immediately called them to figure out what happened as I never purchased tickets through them. They assure me that they can trace a click or prove that I booked my flights through them, which I never did. After explaining my exact actions and reassuring them that I never booked with Capital One XXXX they continued to inform me that I did something I did not do. I mentioned that there could have been a glitch or malfunction with their page or their tracking system because I am more than one hundred percent certain that I did not purchase anything through the Capital One XXXX platform. 
Regarding the second charge : While in XXXX, I stopped at a convince store to purchase gum, XXXX, a deck of playing cards and a bottle of water. After returning home and paying off my credit cards as I normally do, I noticed that I was being charged {$200.00} USD for something that should have been around {$10.00} USD. I found that the conversion rate is close to what the total should have been. If it was XXXX pesos, it would have been an accurate purchase but I was either scammed or mistakenly charged in USD. Capital One claims that I need to have the paper receipt to dispute this obviously incorrect charge. 
I've spent days on the phone with capital one to resolve this issue of false charges and have only been given a {$100.00} goodwill credit.

Company response to consumer: Closed with monetary relief