BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The most recent letters that I have sent to Equifax disputing the inaccurate information on my credit report were sent on XX/XX/2023 and XX/XX/2023. Instead of removing or even responding to the inaccurate personal information and accounts ( that I have been disputing inaccuracies for over months ), they repeatedly send me letters to STALL by stating they need two documents for identification and current address. 

Here 's where the biggest problem is and COMPLETE violation of my rights. Every single letter I have sent to Equifax includes my Driver 's License for identification and Current Address, my Social Security Card for another form of identification, and a utility bill for another proof of address! I send THREE forms of documents WITH my letters to Equifax. Yet, their response to me is " Please return this letter along with the requested information and your original correspondence/request to the address below ''. 

WHY would I need to send in the same documents that were included in my original letters? Please see the attached letters sent to Equifax WHICH CONTAIN the identification and current address documents that they state that they need in order to " process without delay ''. 

Equifax is clearly operating ILLEGALLY. They continue to stall. Please see two letters sent by Equifax attached sent to me one day apart. They send multiples of these letters even though the documents they are requesting was included in ALL of my letters to them!! Equifax needs to remove the inaccurate information immediately. 

After multiple dispute letters to Equifax, I have received no resolution. They are in violation of the Fair Credit Reporting Act. 

I demand that Equifax take immediate action to correct the inaccurate information on my credit report and provide me with a prompt resolution to my disputes. Failure to do so will result in legal action being taken against your company for violating consumer protection laws. 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for you willful non-compliance. 

For the record, I am attaching the two most recent letters sent to you on separate occasions. Items in the letters need to be removed. It has been over 6 months of me disputing this inaccurate information. It is illegal for them still to be on my credit report! It is illegal for you to keep stalling!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: HW Holding, Inc
State: IL
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 XX/XX/XXXX i sent a devt validation letter requesting they provide proof i signed a contract that states i owe them any sum of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: WI
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 sent letters and all required documentation via certified mail to have the fraudulent items removed that are appearing on my consumer report. My efforts are being continuously ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
It's been over thirty days and the creditor has updates the info nor has provided proof of documentation in regards to a late payment. They have nor supplied this info and they must delete the alleged payment on my credit report.

Under federal law, they had thirty days to complete the investigation and failing to do so the item must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have contacted Experian multiple times to dispute incorrect addresses on my report. There are XXXX addresses that I have not lived at or been associated with. I have asked to have them removed but they will not help in my request because they are linked to an account that is not mine. I am in a catch XXXX because they will not help me remove the incorrect information because its linked to an account and I cant dispute the account because its linked to that address. I have made multiple requests as well as sent in copies of my license, bank statements, personal mail and pay stubs to show my correct address and they are not helping. Please help me get this information corrected. 
The addresses that should not be on my report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX And XXXX XXXX XXXX XXXX XXXX, NC 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 2018-08-17
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:
INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 

1.XXXX Inquiry from XX/XX/XXXX 2.XXXX Inquiry from XX/XX/XXXX 3.XXXX/XXXX  Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX  XXXX Inquiry from XX/XX/XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my TD bank Premier checking account at TD bank branch in XXXX, MA on XX/XX/2019. The manager who helped me open the account told me I can get XXXX dollars bonus if I keep my balance over XXXX for three months. I did what they required but I did not receive it till now. I visited the branch but they what they can do is to send email to their department which is taking charge of the bonus. But I did not hear back from them since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Stride Funding, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
ive attend the XXXX a `` tech sell '' school to do cold calls for data companies long story short they said students didn't have to pay if they dont get a job as a " tech sell '' in tech companies. 

I didn't get a job and still haven't gotten a job working for any tech companies theirs also a lot of " white lies/ false advertisements " they advertise as they said XXXX a year with a commission, but no companies were offering that. 
it's XXXX plus commission so " technically '' YOU CAN MAKE UP to that or more. 


ive done 8 XXXX  interviews and a few day 's trials for a few companies as trainees noting work and I felt very XXXX for not landing any jobs in over 8 months after the XXXX XXXX and getting rejected on how my voice sounded on some I just dont think this type of thing is for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: NAVY FEDERAL CREDIT UNION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have disputed with XXXX about a credit account that was removed from credit report. 
I have contacted the business that is placing the account on credit report every month. 
Navy Federal credit union has reported the account since XX/XX/XXXX and it was removed for some reason in XX/XX/XXXX by mistake.The creditor has recently reported the account 2 times since i reported the mistaken removal.I have contacted XXXX about the problem for them to tell me to keep disputing it with Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account has recently been added onto my credit report as a collections account. This account has already been discharged though bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
State: AL
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:
I have written all 3 credit reporting agencies and also the loan company about this issue over the course of about 3-4 years. I spoke with a credit reporting company last year and they informed me that this would be off my credit and it is still showing up and is incorrect and is causing my credit score to keep decreasing making it hard for me to obtain things and making it hard in me and my family financially. I need this information removed from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
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 am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the item ( s ) be removed

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX- XXXX XXXX need to be removed immediately. This vehicle was sold. There is no balance. This account is reported inaccurately on Transunion, XXXX and XXXX. These need to be removed.

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 2019-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 had an auto loan through Capital One Auto Finance Beginning in XXXX around 1 year after I had my SSN changed and called Capital One Auto Finance to make sure records were correct of this change. 9 months after letting them know and making my payments on time, more than amount needed and ahead several times. I go to their Web site as usual to make a payment and the account was not there. I then called Capital One Auto Finance they had told me they cancelled the account because they thought I was being fraudulent. They called SS Administration office with me on phone and they told them my info was correct. Now Capital One Auto Finance over 2 years ago said they would be fixing this and reinserting the correct and all of the credit info and payments back to the Credit Bureaus I gave them after going round and round with them over 90 days to fix it. Now after 2 years this date of XXXX they tell me they need another 30 days. I am done they had over 2 years they refuse to fix this. I paid my car off in full. They have severely hurt me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Reliant Capital Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company Reliant Capital Solutions has attempted to collect a debt located at XXXX XXXX XXXX XXXX XXXX, XXXX has performed shady practices to attempt to collect a debt without due process. They immediately informed my employer to deduct the amount of monies from my wages through a garnishment when I rejected their offer and do not have a contract with them. 

Now as of XXXX they have told my company XXXX located at XXXX XXXX XXXX XXXX located at XXXX Virginia XXXX to perform the wage garnishment to collect on someone else 's behalf that Reliant Capital Solutions has brought to collect and failed to produce the contract that states I agreed to it when I have not agreed to any of their contracts or for their services at all. They have asked my employer XXXX to perform the wage the garnishment which I informed in writing via certified mail to Cease and Desist their actions which they have not and its causing me a great deal of hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: IN
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:
My credit file has been suppressed with Equifax now since a mortgage lender try to pull my credit back on XX/XX/2021 And that the data was suppressed because I was told my social security number was associated with another individual. But they first told me my account had a freeze on it. I was then told by Equifax to fax my Social Security card, drivers license and a Written request to correct my credit file. I did that satisfactorily and can provide written evidence of this upon request. I waited in approximate 30 days and had my lender tried to pull my credit again on XX/XX/2021 end it is apparent my credit file has yet to be fixed. My lender can still not access my echo fax credit file. I know this is a violation of my rights under the fair credit reporting act. This problem is causing me real harm. I am a XXXX  and I am trying to Take it XXXX of the VA loan program and can not do so because of this problem. This is causing the real harm. I have tried resolving this and have called Equifax XXXX times and each time I am told the XXXX  fax system is under maintenance. Two of those times I was with my loan agent. I called on XX/XX/2021 after leaving my agents office an was told they were still under going XXXX. I am stuck and have no other option but to file a report. My loan agents name is XXXX XXXX she works for Guaranteed Rate. Her email is XXXX. Thank you have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: MA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681XXXX 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 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause 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 2019-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
XX/XX/2019. At XXXX location I tried to make a purchase. Their payment system was down. I will attached a picture if that. The card that I was told was not used was a Capital One. By beginning of XXXX, 2019, XXXX illegally took fonds from this account, all together about {$630.00}. I immediately closed the account, moved from XXXX to XXXX  XXXX and asked Capital One to reimburse me. I had more than one conversations with XXXX, they have not fulfilled their commitments. I also had multiple conversations with Capital One. On XX/XX/XXXX I have received an email from a worker at XXXX that had access to all of our info. Everything will be attached. After reimbursing the money Capital One stated that something doesnt match. And XXXX, who did not even bother to read all the documents submitted to them, told me that he is the highest in charge and I need to take the issue to XXXX, and there is absolutely nothing he would do for me. after I submitted a super long chat between XXXX and I, where XXXX is lying and presenting false data. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
A couple of automatic debits from my wells fargo checking account are preventing me from managing my account as i normally do. 
Ive removed both of them from accessing my account in the future, & although i deposited enough funds in my account within 24 hours of when the transactions appeared online as pending, wells fargo has for 2 months initially charged an insufficient funds fee which not only ties up my funds preventing me from meeting my minimum 10 uses of my atm card needed to avoid the checking monthly service fee, it also causes other automatic transactions to cause additional insufficient funds fees. Wells fargo is circumventing the grace period i normally utilize to manage my accounts, by claiming that these transactions are approved a day before they even appear as pending online in their system. 
I would deposit the amount needed to cover the insufficient funds fees, hoping that with the overlap of transaction dates the associated fees will self resolve, but i must pay rent instead & do not have that luxury. Because my funds last month were unnecessarily tied up for several days I also failed to meet minimum requirements necessary to avoid charges for my wells fargo savings account & for the first time was charged that service fee. That account balance is now below zero as a result. I rely on text/ email notifications as wells as closely monitoring my accounts online & still can not avoid penalties using the tools they provide. Whats wrong with this picture? Account now is nearly {$60.00} in the red due to fees.

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 2019-11-08
Company: Nelnet, Inc.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The federal Stafford loan from XXXX XXXX  in XXXX XXXX in XXXX was approved for XXXX  Discharge on XX/XX/XXXX. The loan was then monitored for 3 years for continued XXXX. I met the 3-year period for XXXX XXXX XXXX XXXX. As of XX/XX/XXXX, the U.S. Department of Education and its loan servicer, Nelnet, noted that the loan was officially discharged and would not be subject to any further monitoring. Nelnet stated by letter that this loan would be reported as DISCHARGED. The loan was officially discharged more than 3 years ago. XXXX refused to note the correct status as discharged. XXXX  changed the status of the loan to PAST DUE with terms. The loan was never past due or late. The correct status is DISCHARGED. All of the other credit reporting agencies have removed the loan from their respective credit reports and they also do not post disconnected phone numbers and other inaccurate information. I am covered under the XXXX  XXXX  XXXX  XXXX  regarding unfair business practices and violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation